Stellar Bancorp (STEL) CFO has 584 shares withheld for taxes on vesting

Rhea-AI Filing Summary

Stellar Bancorp, Inc. Senior Executive VP and CFO Paul P. Egge reported a small administrative share disposition related to equity compensation. On the reported date, 584 shares of common stock were withheld at $37.66 per share to cover tax obligations upon vesting of previously reported restricted stock, leaving him with 60,445 directly held shares.

Insights

Equity compensation and governance analyst

Routine tax withholding on vested shares, not an open-market sale.

The filing shows Stellar Bancorp Senior Executive VP and CFO Paul P. Egge had 584 common shares withheld at $37.66 per share. The code F and footnote explain this was to satisfy tax liability on vesting restricted stock that had been reported earlier.

This type of transaction is a standard feature of equity compensation plans, allowing taxes to be settled in shares rather than cash. It does not reflect a discretionary buy or sell decision in the market, and Egge continues to hold 60,445 common shares directly after the withholding.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Egge Paul P

Role Senior Executive VP, CFO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	584	$37.66	$22K

Holdings After Transaction: Common Stock — 60,445 shares (Direct)

Footnotes (1)

1. [object Object]

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^*

Egge Paul P

(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, CFO

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		584(1)	D	$37.66	60,445	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 Paul P. Egge?

Stellar Bancorp reported that Senior Executive VP and CFO Paul P. Egge had 584 common shares withheld. The shares, valued at $37.66 each, were used to cover taxes triggered by the vesting of previously reported restricted stock awards.

Was the Stellar Bancorp (STEL) Form 4 transaction an open-market sale?

No, the transaction was not an open-market sale. The Form 4 uses code F and explains that 584 shares were withheld solely to satisfy tax liability on vesting restricted shares, a routine administrative equity compensation event.

How many Stellar Bancorp (STEL) shares does Paul P. Egge hold after this Form 4?

After the tax-withholding disposition, Paul P. Egge directly holds 60,445 shares of Stellar Bancorp common stock. This figure reflects his updated ownership following the withholding of 584 shares to cover taxes on vested restricted stock.

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

In this Form 4, code F indicates payment of a tax liability or exercise price by delivering securities. Here, 584 Stellar Bancorp common shares were withheld to satisfy taxes due on the vesting of restricted stock previously reported for the executive.

Did the Stellar Bancorp (STEL) Form 4 indicate insider buying or selling in the market?

The Form 4 did not show market buying or selling. Instead, it recorded a tax-withholding disposition of 584 shares tied to vesting restricted stock, meaning the shares were withheld for taxes rather than actively sold or purchased on the open market.