Stellar Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Stellar Bancorp has total assets of $10.6B and total equity of $1.5B. Total deposits are $8.9B, and total loans are $7.8B. It earns a Net Interest Margin of 4.5%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $405.9M.
Key information
7x
Asset to equity ratio
4.5%
Net interest margin
Total deposits | US$8.87b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$405.95m |
Recent financial health updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: STEL's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: STEL has a sufficient allowance for bad loans (234%).
Low Risk Liabilities: 97% of STEL's liabilities are made up of primarily low risk sources of funding.
Loan Level: STEL has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: STEL's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: STEL has an appropriate level of bad loans (0.5%).