Stellar Bancorp (STEL) Chief Banking Officer discloses stock and 30,000 options

Rhea-AI Filing Summary

Stellar Bancorp, Inc. filed an ownership report for one of its officers. The reporting person serves as Chief Banking Officer and is filing individually. The report shows beneficial ownership of 31,586 shares of Common Stock, held directly. It also lists 30,000 Employee Stock Options (right to buy), also held directly. This filing is an administrative disclosure of insider holdings required under securities laws.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Sirkel Jason D.

Role Chief Banking Officer

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Employee Stock Option (right to buy)	--	--	--

Holdings After Transaction: Common Stock — 31,586 shares (Direct); Employee Stock Option (right to buy) — 30,000 shares (Direct)

Footnotes (1)

Understanding Insider Trading Forms →

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Sirkel Jason D.

(Last) (First) (Middle)

9 GREENWAY PLAZA, SUITE 110

(Street)

HOUSTON TX 77046

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
11/20/2025

3. Issuer Name and Ticker or Trading Symbol
Stellar Bancorp, Inc. [ STEL ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Banking Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	31,586	D
Employee Stock Option (right to buy)	30,000	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Justin M. Long, attorney-in-fact	12/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider ownership did Stellar Bancorp (STEL) disclose in this filing?

The filing reports that the Chief Banking Officer beneficially owns 31,586 shares of Common Stock directly and holds 30,000 Employee Stock Options (right to buy), also directly.

Who is the reporting person in the Stellar Bancorp (STEL) Form 3-style disclosure?

The reporting person is an officer of Stellar Bancorp, Inc. serving as Chief Banking Officer, as indicated in the relationship section.

Is the Stellar Bancorp (STEL) ownership report filed by one person or a group?

The document indicates that the Form is filed by one reporting person, not by a joint or group filing.

What type of securities does the Stellar Bancorp (STEL) officer hold directly?

The officer directly holds Common Stock totaling 31,586 shares and 30,000 Employee Stock Options (right to buy), both listed as directly owned.

What is the event date for this Stellar Bancorp (STEL) insider ownership report?

The date of the event requiring the statement is listed as 11/20/2025.

Who signed the Stellar Bancorp (STEL) insider ownership document?

The document is signed /s/ Justin M. Long, attorney-in-fact, with a signature date of 12/12/2025.