Welcome to our dedicated page for Stellar Bancorp SEC filings (Ticker: STEL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Credit-quality tables, interest-rate sensitivity gaps, Community Reinvestment Act data—Stellar Bancorp’s disclosures can span hundreds of pages and still leave questions unanswered. If combing through every footnote to locate allowance for credit losses or insider loans feels daunting, you’re not alone.
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Stellar Bancorp, Inc. (STEL) reported Q3 2025 results showing steady core banking performance with lower year-over-year earnings. Net income was $25.7 million versus $33.9 million a year ago, and diluted EPS was $0.50. Net interest income was $100.6 million, roughly flat from $101.5 million, as lower interest expense helped offset softer loan yields.
Total assets were $10.63 billion at September 30, 2025, compared with $10.91 billion at year-end. Loans, net, were $7.09 billion (down from $7.36 billion at December 31, 2024) and total deposits were $8.82 billion (down from $9.13 billion), with a shift toward interest-bearing categories. Securities available for sale rose to $1.84 billion. The allowance for credit losses on loans was $78.9 million.
Operating costs were controlled, with total noninterest expense at $73.1 million in Q3. Accumulated other comprehensive loss improved to $(77.9) million, reflecting favorable marks. Year-to-date, the company paid $0.42 per share in dividends and repurchased shares, ending the quarter with 51,228,156 shares outstanding; as of October 22, 2025, shares outstanding were 51,187,494.
Stellar Bancorp, Inc. (STEL) furnished its Q3 2025 results via an 8-K. The company attached its earnings release (Exhibit 99.1) and earnings presentation (Exhibit 99.2), which are incorporated by reference.
The company scheduled an investor conference call and webcast for October 24, 2025 at 8:00 a.m. Central Time to review the quarter. The release and presentation are also posted on the company’s website. The furnished materials are not deemed “filed” for purposes of Section 18 of the Exchange Act.
Stellar Bancorp, Inc. (STEL) reporting person Joe F. West sold 1,032 shares of common stock on 10/01/2025 at a reported price of $30 per share, reducing his beneficial ownership to 97,144 shares. The filing states the shares were withheld to satisfy tax liability arising from the vesting of previously reported restricted shares. The sale is reported on a Form 4 filed by one reporting person and is signed by an attorney-in-fact on 10/03/2025.
Stellar Bancorp, Inc. (STEL) reporting person Ramon A. Vitulli, III reduced his direct holdings by 1,803 shares on 10/01/2025. The Form 4 states these shares were withheld to satisfy tax liability on the vesting of previously granted restricted common stock. After the withholding, Mr. Vitulli directly beneficially owned 110,246 shares. The filing was signed by an attorney-in-fact on 10/03/2025. This disclosure documents a routine withholding for taxes related to equity vesting rather than an open-market sale.
Steven F. Retzloff, Executive Chairman and director of Stellar Bancorp, Inc. (STEL), reported transactions on 10/01/2025. He disposed of 5,784 shares of common stock as a forfeiture (coded V) with a reported price of $0, leaving 127,185 shares owned directly after that disposition. He also had 982 shares withheld to satisfy tax withholding from restricted shares that vested on that date at a reported price of $30, leaving 126,203 shares owned directly after that withholding. The filing also discloses indirect holdings of 25,531 shares by Retzloff Industries, Inc., 378,240 shares by Retzloff Holdings, LTD., and 12,598 shares by SF Retzloff Family Limited Partnership, LTD.
Justin M. Long, Senior Executive Vice President, General Counsel and Secretary of Stellar Bancorp, Inc. (STEL), reported a non-derivative transaction on 10/01/2025 in which 1,391 shares of common stock were disposed of under code F. The filing states these shares were withheld to satisfy tax liabilities arising from the vesting of restricted shares previously reported, at a price of $30 per share. After the transaction, Mr. Long beneficially owns 47,863 shares directly.
Robert R. Franklin Jr., the Chief Executive Officer and a director of Stellar Bancorp, Inc. (STEL), filed a Form 4 disclosing changes in his beneficial ownership. On 10/01/2025 the filing reports a forfeiture of 10,961 performance shares (disposition at $0) and the withholding of 1,740 restricted shares at a price of $30 to satisfy tax withholding for vesting. After these entries, Mr. Franklin beneficially owns 398,902 shares.
The Form 4 was signed by an attorney-in-fact on 10/03/2025 and was filed as a single reporting person. The filing notes the forfeiture was tied to performance shares that were eligible to vest based on specified financial objectives, and the withheld shares were specifically to meet tax obligations on restricted-share vesting.
Stellar Bancorp insider Paul P. Egge, the bank's Senior Executive VP, CFO, reported a transfer related to the vesting of restricted common stock. On 10/01/2025 1,513 shares were disposed of under transaction code F to satisfy tax withholding obligations at a price of $30 per share. After this transaction the reporting person beneficially owns 61,475 shares of Stellar Bancorp (ticker STEL). The Form 4 was signed by an authorized representative on 10/03/2025. The filing shows a routine tax-withholding sale tied to previously reported restricted-share vesting rather than an open-market investment decision.
Stellar Bancorp, Inc. (STEL) reporting person Akin Okan I., Senior Executive VP and CRO, had 1,463 shares of common stock withheld on 10/01/2025 to satisfy tax withholding for the vesting of restricted shares. The Form 4 records the shares were treated as a disposition (code F) at a price of $30 per share, leaving the reporting person with 81,500 shares beneficially owned following the transaction. The filing was submitted via attorney-in-fact and signed on 10/03/2025. The entry notes this action represents tax withholding for previously reported restricted stock vesting.
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