Stellar Bancorp, Inc. (STEL) — Net Asset Quality Index
Stellar Bancorp, Inc. (STEL) has a Net Asset Quality Index of 15.3% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $10.89 Billion minus total liabilities of $9.22 Billion yields net assets of $1.67 Billion. A higher index indicates a stronger, lower-leverage balance sheet. See Stellar Bancorp, Inc. defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Quality Index
Net Assets
Total Assets
Total Liabilities
Stellar Bancorp, Inc. Net Asset Quality Index Over Time (2015–2025)
This chart shows how Stellar Bancorp, Inc.'s Net Asset Quality Index has evolved across 11 annual periods from 2015 to 2025. As of March 2026, the index stands at 15.3%, representing net assets of $1.67 Billion against total assets of $10.89 Billion USD. Explore how efficiently does Stellar Bancorp, Inc. generate cash to assess how effectively this company generates cash.
Annual Net Asset Quality Index for Stellar Bancorp, Inc. (2015–2025)
The table below presents the year-by-year Net Asset Quality Index for Stellar Bancorp, Inc. from 2015 to 2025, covering 11 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Stellar Bancorp, Inc. market cap and net worth.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 15.4% | $1.67 Billion | $10.81 Billion | $9.14 Billion | ▲ +0.7 pp |
| 2024 | 14.7% | $1.61 Billion | $10.91 Billion | $9.30 Billion | ▲ +0.5 pp |
| 2023 | 14.3% | $1.52 Billion | $10.65 Billion | $9.13 Billion | ▲ +1.6 pp |
| 2022 | 12.7% | $1.38 Billion | $10.90 Billion | $9.52 Billion | ▲ +1.2 pp |
| 2021 | 11.5% | $816.47 Million | $7.10 Billion | $6.29 Billion | ▼ -2.3 pp |
| 2020 | 13.8% | $546.45 Million | $3.95 Billion | $3.40 Billion | ▼ -1.6 pp |
| 2019 | 15.4% | $535.72 Million | $3.48 Billion | $2.94 Billion | ▲ +0.5 pp |
| 2018 | 14.9% | $487.62 Million | $3.28 Billion | $2.79 Billion | ▲ +0.4 pp |
| 2017 | 14.5% | $446.21 Million | $3.08 Billion | $2.63 Billion | ▲ +2.4 pp |
| 2016 | 12.1% | $357.64 Million | $2.95 Billion | $2.59 Billion | ▲ +0.2 pp |
| 2015 | 11.9% | $344.31 Million | $2.88 Billion | $2.54 Billion | — |