Stellar Bancorp (STEL) CFO has 993 shares withheld to cover taxes

Rhea-AI Filing Summary

Stellar Bancorp, Inc. Senior Executive VP and CFO Paul P. Egge reported a small tax-related share disposition tied to vesting of restricted stock. On the transaction date, 993 shares of common stock were withheld at $35.51 per share to cover tax liabilities on previously reported restricted shares.

After this withholding, Egge directly held 68,594 shares of common stock. Because this was a tax-withholding event rather than an open-market trade, it reflects routine compensation and tax management rather than an active decision to buy or sell shares in the market.

Insights

Equity compensation analyst

Routine tax withholding on vested stock, not a market sale.

The CFO of Stellar Bancorp, Paul P. Egge, had 993 common shares withheld at $35.51 per share to satisfy tax obligations arising from vesting of restricted stock. The filing notes these restricted shares were previously reported, so this event is part of a compensation schedule.

Following the transaction, Egge directly held 68,594 shares of common stock, indicating that only a small portion of his equity position was affected. Because the code is F (tax withholding) and there is no open-market purchase or sale, the informational value for investors is limited and the event appears routine.

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	993	$35.51	$35K

Holdings After Transaction: Common Stock — 68,594 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^*

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)
03/15/2026

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	03/15/2026		F		993(1)	D	$35.51	68,594	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	03/17/2026
	** 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 did Stellar Bancorp (STEL) CFO Paul Egge report in this Form 4?

The CFO reported a tax-related share disposition where 993 Stellar Bancorp common shares were withheld at $35.51 per share. This withholding satisfied tax liabilities tied to vesting of previously reported restricted stock, rather than reflecting an open-market trade.

Was the Stellar Bancorp (STEL) CFO buying or selling shares in the market?

No open-market trade occurred. The transaction used code F, meaning 993 shares were withheld to pay taxes on vested restricted stock. This is a routine compensation and tax-settlement mechanism, not a discretionary market purchase or sale by the CFO.

How many Stellar Bancorp (STEL) shares does the CFO hold after this transaction?

After the tax-withholding event, CFO Paul P. Egge directly held 68,594 shares of Stellar Bancorp common stock. The 993 shares withheld for taxes reduced his reported holdings slightly but left a substantial remaining equity position with the company.

What does transaction code F mean for Stellar Bancorp (STEL) insider activity?

Transaction code F indicates shares were used to pay an exercise price or tax liability. For Stellar Bancorp’s CFO, 993 shares were withheld to cover taxes on vesting restricted stock, signaling routine compensation processing rather than a strategic decision to sell shares.

Does this Stellar Bancorp (STEL) Form 4 suggest a change in insider sentiment?

The filing does not clearly signal a change in insider sentiment. It records 993 shares withheld to satisfy tax obligations on vested restricted stock, a standard administrative event. The CFO continues to hold 68,594 common shares after the transaction.