Stellar Bancorp, Inc. Total Liabilities

Latest as of March 2026: $9.22 Billion USD

Stellar Bancorp, Inc. total liabilities. Based on the latest financial reports, Stellar Bancorp, Inc. (STEL) has total liabilities worth $9.22 Billion USD as of March 2026. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Check STEL financial resilience to evaluate the company's liquid asset resilience ratio.

Total Liabilities of Stellar Bancorp, Inc. (2015–2025)

Total liabilities of Stellar Bancorp, Inc. from 2015 to 2025. This chart illustrates how Stellar Bancorp, Inc.'s total liabilities have evolved over time, based on quarterly financial data. Explore STEL strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.

Stellar Bancorp, Inc. Competitors by Total Liabilities

The table below lists competitors of Stellar Bancorp, Inc. ranked by their total liabilities.

Company	Country	Total Liabilities
Kalbe Farma Tbk PT JK:KLBF	Indonesia	Rp7.31 Trillion
Perdoceo Education Corp NASDAQ:PRDO	USA	$301.53 Million
Wuxi Rural Commercial Bank Co Ltd SHG:600908	China	CN¥267.88 Billion
Strive, Inc. NASDAQ:ASST	USA	$28.58 Million
Shenglan Technology Co Ltd SHE:300843	China	CN¥1.43 Billion
Kinnevik Investment AB ser. B ST:KINV-B	Sweden	Skr2.22 Billion
GQG Partners Inc AU:GQG	Australia	AU$61.28 Million
Shanghai Xinhua Media Co Ltd SHG:600825	China	CN¥1.42 Billion

Liability Composition Analysis (2015–2025)

This chart breaks down Stellar Bancorp, Inc.'s total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the complete balance sheet picture, see Stellar Bancorp, Inc. asset portfolio.

Liquidity & Leverage Metrics

Stellar Bancorp, Inc. Total Liabilities Ratios Explained

Stellar Bancorp, Inc. total liabilities ratios compare its liabilities with its current assets, cash and shareholder equity.

Metric	Value	Description
Current Ratio	0.23	Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities)
Quick Ratio	N/A	More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities)
Cash Ratio	N/A	Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities)
Debt to Equity	5.53	Measures financial leverage (Total Liabilities ÷ Shareholder Equity)
Debt to Assets	0.85	Portion of assets financed with debt (Total Liabilities ÷ Total Assets)

Liability Trends Comparison

This chart compares key liability metrics across different time periods, showing how Stellar Bancorp, Inc.'s debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.

Annual Total Liabilities for Stellar Bancorp, Inc. (2015–2025)

The table below shows the annual total liabilities of Stellar Bancorp, Inc. from 2015 to 2025.

Year	Total Liabilities	Change
2025-12-31	$9.14 Billion	-1.72%
2024-12-31	$9.30 Billion	+1.88%
2023-12-31	$9.13 Billion	-4.11%
2022-12-31	$9.52 Billion	+51.34%
2021-12-31	$6.29 Billion	+84.81%
2020-12-31	$3.40 Billion	+15.63%
2019-12-31	$2.94 Billion	+5.42%
2018-12-31	$2.79 Billion	+5.94%
2017-12-31	$2.63 Billion	+1.58%
2016-12-31	$2.59 Billion	+2.19%
2015-12-31	$2.54 Billion	--

About Stellar Bancorp, Inc.

NYSE:STEL USA Banks - Regional

Market Cap

$2.00 Billion

Market Cap Rank

#6091 Global

#1963 in USA

Share Price

$39.32

Change (1 day)

+0.03%

52-Week Range

$29.47 - $39.71

All Time High

$39.71