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Stellar Bancorp STEL Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

Prosperity Bancshares logo
Prosperity BancsharesPB
$446.66M+15.1%
Customers Bancorp logo
Customers BancorpCUBI
$306.93M+2.8%
Center Bancorp logo
Center BancorpCNOB
$373.66M+52.7%
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$92.52M+2.8%
Origin Bancorp logo
Origin BancorpOBK
$41.97M+2.3%
Banner Corporation logo
Banner CorporationBANR
$321.66M+2.5%

Other financials

Income statement

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Revenue$111.0M+6.0%
Net income$27.0M+9.2%
EPS (diluted)$0.53+15.2%

Balance sheet

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Cash & equivalents$549.6M-2.0%
Total debt$15.5M-11.1%
Total equity$1.7B+3.5%
Total assets$10.9B+4.4%

Cash flow

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Operating cash flow$16.5M+391%
CapEx$268.0K-65.2%
Free cash flow$16.2M+352%

Valuation

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Market cap$1.98B+26.9%
Enterprise value$1.45B+43.8%
P/E18.8×+5.1×
P/S4.6×+1.0×

Profitability

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Net margin24.5%-2.1pp
FCF margin26.8%+5.5pp

Returns & leverage

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Return on equity6.4%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Stellar Bancorp in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: Stellar Bancorp’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Stellar Bancorp's bank owned life insurance?
Stellar Bancorp (STEL) reported bank owned life insurance of $110.1M in Q1 2026.
How has Stellar Bancorp's bank owned life insurance changed year-over-year?
Stellar Bancorp's bank owned life insurance increased by 1.8% year-over-year, from $108.11M to $110.1M.
What is the long-term trend for Stellar Bancorp's bank owned life insurance?
Over 5 years (2020 to 2025), Stellar Bancorp's bank owned life insurance has grown at a 8.6% compound annual growth rate (CAGR), from $72.34M to $109.48M.
What does bank owned life insurance mean?
Bank Owned Life Insurance (BOLI) represents life insurance policies purchased by the bank on the lives of key employees, where the bank is the beneficiary. These assets are held to offset the costs of employee benefit plans and provide a tax-advantaged return on investment. The cash surrender value of these policies is recorded as an asset on the balance sheet.