Stellar Bancorp, Inc.STEL
| Dec 31,
2017 | Dec 31,
2018 | Dec 31,
2019 | Dec 31,
2020 | Dec 31,
2021 | Dec 31,
2022 | Dec 31,
2023 |
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| Loans, including fees | 107 | 124 | 141 | 132 | 125 | 280 | 538 |
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| Taxable | - | - | - | - | - | 27 | 38 |
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| Tax-exempt | - | - | - | - | - | 11 | 3 |
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| Deposits in other financial institutions | - | - | - | - | - | 5 | 12 |
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| Total interest income | 117 | 136 | 153 | 139 | 132 | 323 | 591 |
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| Demand, money market and savings deposits | - | - | - | - | - | 19 | 87 |
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| Interest Expense, Time Deposits | - | - | - | - | - | 8 | 41 |
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| Borrowed funds | - | - | - | - | - | 1 | 18 |
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| Subordinated debt | - | - | - | - | - | 6 | 8 |
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| Total interest expense | 9 | 11 | 17 | 10 | 6 | 34 | 154 |
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| NET INTEREST INCOME | 108 | 125 | 136 | 129 | 126 | 289 | 437 |
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| Provision for credit losses | - | - | - | - | - | 51 | 9 |
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| Net interest income after provision for credit losses | 108 | 126 | 134 | 110 | 137 | 238 | 428 |
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| Deposit Account, Nonsufficient Funds Fee | - | - | - | - | - | 1 | - |
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| Nonsufficient funds fees and overdraft charges | - | - | - | - | - | - | 1 |
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| Service charges on deposit accounts | - | - | - | - | - | 3 | 5 |
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| Gain (loss) on sale of assets | - | - | - | - | - | 4 | 0 |
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| Bank-owned life insurance income | 2 | 2 | 5 | 2 | 3 | 1 | 2 |
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| Debit card and ATM income | - | - | - | - | - | 4 | 5 |
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| Other | 2 | 2 | 3 | - | - | 7 | 11 |
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| Total noninterest income | 14 | 14 | 19 | 15 | 16 | 20 | 25 |
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| Labor and Related Expense | - | - | - | - | - | 108 | 157 |
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| Occupancy, Net | 9 | 9 | 10 | 10 | 10 | 10 | 17 |
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| Depreciation | - | - | - | - | - | 5 | 8 |
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| Data processing and software amortization | 3 | 3 | 3 | 5 | 7 | 11 | 20 |
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| Professional fees | 3 | 4 | 7 | 8 | 6 | 4 | 8 |
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| Regulatory assessments and FDIC insurance | - | - | - | - | - | 5 | 11 |
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| Amortization of intangibles | 1 | 1 | 1 | 1 | 1 | 9 | 27 |
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| Communication | - | - | 2 | 2 | 2 | 2 | 3 |
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| Advertising | 1 | 2 | 2 | 2 | 2 | 2 | 4 |
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| Other real estate expense | - | - | - | - | - | -0 | - |
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| Acquisition and merger-related expenses | - | - | - | - | - | 24 | 16 |
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| Acquisition and merger-related expenses | - | - | - | - | - | 24 | 16 |
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| Other | - | - | - | - | - | 15 | 22 |
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| Other | - | - | - | - | - | 15 | 22 |
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| Total noninterest expense | 78 | 82 | 90 | 92 | 108 | 196 | 290 |
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| Total noninterest expense | 78 | 82 | 90 | 92 | 108 | 196 | 290 |
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| INCOME BEFORE INCOME TAXES | 44 | 59 | 62 | 32 | 46 | 63 | 162 |
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| Provision for income taxes | 16 | 11 | 12 | 6 | 10 | 11 | 31 |
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| NET INCOME | - | - | - | - | - | 51 | 130 |
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| Earnings Per Share, Basic | 1.23 | 1.9 | 2.03 | 1.06 | 1.46 | 1.48 | 2.45 |
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| Earnings Per Share, Diluted | 1.22 | 1.89 | 2.02 | 1.06 | 1.45 | 1.47 | 2.45 |
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| DIVIDENDS PER SHARE (in dollars per share) | - | - | - | - | - | 0.43 | 0.52 |
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