Stellar Bancorp, Inc. Asset Resilience Ratio
Stellar Bancorp, Inc. asset resilience ratio. Stellar Bancorp, Inc. (STEL) has an Asset Resilience Ratio of 13.62% as of March 2026. 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. See Stellar Bancorp, Inc. defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Stellar Bancorp, Inc. (2017–2025)
Asset resilience ratio of Stellar Bancorp, Inc. from 2017 to 2025. This chart shows how Stellar Bancorp, Inc.'s Asset Resilience Ratio has changed over time. Read STEL liabilities breakdown for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see balance sheet size of Stellar Bancorp, Inc..
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.48 Billion | 13.62% |
| Total Liquid Assets | $1.48 Billion | 13.62% |
Asset Resilience Insights
- Moderate Liquidity: Stellar Bancorp, Inc. has 13.62% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- 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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Stellar Bancorp, Inc. Asset Resilience Ratio by Year (2017–2025)
Stellar Bancorp, Inc. asset resilience ratio by year from 2017 to 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 | -- |
About 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