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Stellar Bancorp STEL Provision for Credit Losses

Provision for Credit Losses at other companies

Prosperity Bancshares logo
Prosperity BancsharesPB
$0
United Community Banks logo
United Community BanksUCB
$10.85M-29.6%
Customers Bancorp logo
Customers BancorpCUBI
$23.37M-17.4%
Hope Bancorp logo
Hope BancorpHOPE
$8.65M+80.2%
SBC
Seacoast Banking Corporation of FloridaSBCF
$761K-91.8%
Ameris Bancorp logo
Ameris BancorpABCB
$16.55M-24.4%

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%

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 stel:FinancingReceivableCreditLossExpenseReversalAndOffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

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 provision for credit losses?
Stellar Bancorp (STEL) reported provision for credit losses of $2.5M in Q1 2026.
How has Stellar Bancorp's provision for credit losses changed year-over-year?
Stellar Bancorp's provision for credit losses decreased by 31.3% year-over-year, from $3.63M to $2.5M.
What is the long-term trend for Stellar Bancorp's provision for credit losses?
Over 3 years (2021 to 2025), Stellar Bancorp's provision for credit losses has grown at a 63.5% compound annual growth rate (CAGR), from -$2.32M to $10.16M.
What does provision for credit losses mean?
This represents the non-cash charge or reversal recorded in the income statement to maintain the allowance for credit losses at an appropriate level. It reflects management's current estimate of expected future losses within the loan portfolio. A higher provision indicates increased credit risk or a more conservative outlook on asset quality.