[Form 4] Stellar Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Stellar Bancorp, Inc. reported an insider transaction by its Senior Executive VP and CFO on 12/31/2025. The filing shows that 446 shares of common stock were disposed of at $30.94 per share, but the explanation clarifies these shares were withheld to satisfy tax liabilities related to the vesting of previously reported restricted shares, rather than an open-market sale.

Following this tax withholding transaction, the reporting officer beneficially owns 61,029 shares of Stellar Bancorp common stock, held directly.

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	446	$30.94	$14K

Holdings After Transaction: Common Stock — 61,029 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)
12/31/2025

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	12/31/2025		F		446(1)	D	$30.94	61,029	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	01/05/2026
	** 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 in this Form 4?

The Senior Executive VP and CFO reported a transaction on 12/31/2025 in which 446 shares of Stellar Bancorp common stock were disposed of at $30.94 per share to cover tax withholding on vested restricted shares.

Who is the insider involved in the latest Stellar Bancorp (STEL) Form 4 filing?

The filing relates to an officer of Stellar Bancorp, Inc. who serves as Senior Executive VP and Chief Financial Officer.

How many Stellar Bancorp (STEL) shares were involved in the reported transaction?

The transaction involved 446 shares of Stellar Bancorp common stock, which were withheld to satisfy tax liability arising from the vesting of restricted shares.

How many Stellar Bancorp (STEL) shares does the reporting officer own after the transaction?

After the reported transaction, the officer beneficially owns 61,029 shares of Stellar Bancorp common stock in direct ownership.

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

No. The explanation states the 446 shares represent shares withheld to satisfy tax liability for the vesting of previously reported restricted shares, rather than an open-market sale.

What is the transaction code used in the Stellar Bancorp (STEL) Form 4?

The transaction is coded as "F", which in this context reflects shares withheld by the issuer to cover tax obligations associated with equity compensation vesting.