Stellar Bancorp, Inc.
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such … Read more
Stellar Bancorp, Inc. - Asset Resilience Ratio
Stellar Bancorp, Inc. (STEL) has an Asset Resilience Ratio of 16.70% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2017–2025)
This chart shows how Stellar Bancorp, Inc.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Stellar Bancorp, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.81 Billion | 16.7% |
| Total Liquid Assets | $1.81 Billion | 16.70% |
Asset Resilience Insights
- Good Liquidity Position: Stellar Bancorp, Inc. maintains a healthy 16.70% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Stellar Bancorp, Inc. Industry Peers by Asset Resilience Ratio
Compare Stellar Bancorp, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Stellar Bancorp, Inc. (2017–2025)
The table below shows the annual Asset Resilience Ratio data for Stellar Bancorp, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 16.70% | $1.81 Billion | $10.81 Billion | +5.83pp |
| 2024-12-31 | 10.87% | $1.19 Billion | $10.91 Billion | -2.24pp |
| 2023-12-31 | 13.11% | $1.40 Billion | $10.65 Billion | -3.47pp |
| 2022-12-31 | 16.58% | $1.81 Billion | $10.90 Billion | -8.38pp |
| 2021-12-31 | 24.97% | $1.77 Billion | $7.10 Billion | +19.88pp |
| 2020-12-31 | 5.08% | $200.69 Million | $3.95 Billion | +3.55pp |
| 2019-12-31 | 1.53% | $53.28 Million | $3.48 Billion | -0.23pp |
| 2018-12-31 | 1.76% | $57.69 Million | $3.28 Billion | +1.74pp |
| 2017-12-31 | 0.02% | $600.00K | $3.08 Billion | -- |