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Stellar Bancorp STEL Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Customers Bancorp logo
Customers BancorpCUBI
$3.08M-33.8%
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$632K+1.6%
Banner Corporation logo
Banner CorporationBANR
$2.31M-10.2%
First Merchants Corporation logo
First Merchants CorporationFRME
$3.45M+58.1%
Associated Banc-Corp logo
Associated Banc-CorpASB
$3.82M-26.7%
Community Financial System logo
Community Financial SystemCBU

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:BankOwnedLifeInsuranceIncome.

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 income?
Stellar Bancorp (STEL) reported bank owned life insurance income of $626K in Q1 2026.
How has Stellar Bancorp's bank owned life insurance income changed year-over-year?
Stellar Bancorp's bank owned life insurance income increased by 2.6% year-over-year, from $610K to $626K.
What is the long-term trend for Stellar Bancorp's bank owned life insurance income?
Over 3 years (2022 to 2025), Stellar Bancorp's bank owned life insurance income has grown at a 36.9% compound annual growth rate (CAGR), from $1.13M to $2.89M.
What does bank owned life insurance income mean?
This represents the income generated from the cash surrender value growth or death benefits of life insurance policies held by the bank on its employees or executives. It is a non-interest income stream used to offset the costs of employee benefit programs. While generally stable, it is considered a secondary source of revenue that supports overall non-interest income.