Stellar Bancorp (STEL) exec withholds 412 shares to cover tax on vested stock

Rhea-AI Filing Summary

Stellar Bancorp, Inc. Senior Executive VP and Chief Credit Officer Joe F. West reported a Form 4 transaction involving common stock. On the vesting of previously reported restricted shares, 412 shares were disposed of at $37.66 per share to satisfy tax withholding obligations, leaving him with 96,417 directly owned shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider West Joe F

Role Senior Executive VP, CCO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	412	$37.66	$16K

Holdings After Transaction: Common Stock — 96,417 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

West Joe F

(Last) (First) (Middle)

9 GREENWAY PLAZA, SUITE 110

(Street)

HOUSTON TX 77046

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Executive VP, CCO

3. Date of Earliest Transaction (Month/Day/Year)
03/01/2026

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/01/2026		F		412(1)	D	$37.66	96,417	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares withheld to satisfy tax liability for vesting of restricted shares of Common Stock previously reported.

Remarks:

	/s/ Justin M. Long, attorney-in-fact	03/03/2026
	** 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 4 (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 transaction did Stellar Bancorp (STEL) report for Joe F. West?

Stellar Bancorp reported that Senior Executive VP and CCO Joe F. West disposed of 412 common shares. The shares were withheld to cover tax liabilities upon vesting of previously granted restricted stock, rather than sold in an open-market transaction.

Was the STEL insider transaction an open-market sale of shares?

No, the STEL insider transaction was not an open-market sale. The 412 Stellar Bancorp shares were withheld to satisfy tax liabilities upon vesting of restricted stock awards previously reported, classified as a tax-withholding disposition under transaction code F.

How many Stellar Bancorp (STEL) shares does Joe F. West hold after this Form 4?

After the tax-withholding disposition, Joe F. West directly holds 96,417 Stellar Bancorp common shares. This balance reflects the deduction of 412 shares withheld to cover tax liabilities tied to the vesting of restricted stock previously granted to him.

What does transaction code F mean in the Stellar Bancorp (STEL) Form 4?

In this Stellar Bancorp Form 4, transaction code F indicates shares were used to pay an exercise price or tax liability. Here, 412 shares were withheld specifically to satisfy tax obligations arising from the vesting of restricted common stock.

What role does Joe F. West hold at Stellar Bancorp (STEL) in this Form 4?

In this Form 4, Joe F. West is identified as Senior Executive Vice President and Chief Credit Officer of Stellar Bancorp. The reported transaction involves his directly held common stock and relates to tax withholding on vesting restricted stock awards.