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Stellar Bancorp STEL Time deposits

Time deposits at other companies

International Bancshares logo
International BancsharesIBOC
$24.9M-2.4%

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 / equity0×0.0×

Where this comes from

Reported directly by Stellar Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseTimeDeposits.

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 time deposits?
Stellar Bancorp (STEL) reported time deposits of $8.62M in Q1 2026.
How has Stellar Bancorp's time deposits changed year-over-year?
Stellar Bancorp's time deposits decreased by 36.2% year-over-year, from $13.53M to $8.62M.
What is the long-term trend for Stellar Bancorp's time deposits?
Over 4 years (2021 to 2025), Stellar Bancorp's time deposits has grown at a 41.2% compound annual growth rate (CAGR), from $11.63M to $46.28M.
What does time deposits mean?
This metric captures the interest expense associated with certificates of deposit and other fixed-term deposit instruments. These liabilities typically carry higher interest rates than core deposits and are used to manage liquidity and interest rate risk. It reflects the bank's reliance on wholesale or term-based funding sources to support its lending activities.