Stellar Bancorp (STEL) senior executive granted new stock and PSU awards

Rhea-AI Filing Summary

Stellar Bancorp, Inc. senior executive vice president and chief credit officer Joe F. West reported stock awards in the company’s common stock. On March 1, 2026, he acquired two grants of 3,226 shares each at a price of $0.00 per share. One grant consists of restricted shares that vest in approximately equal installments on March 1, 2027, 2028 and 2029, subject to his continued employment. The other grant is an award of performance share units subject to both time and performance vesting conditions. Following these awards, his direct ownership increased to 102,869 shares of Stellar Bancorp common stock.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider West Joe F

Role Senior Executive VP, CCO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	3,226	$0.00	--
Grant/Award	Common Stock	3,226	$0.00	--

Holdings After Transaction: Common Stock — 99,643 shares (Direct)

Footnotes (1)

1. Represents restricted shares of common stock, which vest in approximately equal installments on March 1, 2027, 2028 and 2029, subject to continued employment with the issuer on such date. Represents award of performance share units subject to time and performance vesting conditions.

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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		A		3,226(1)	A	$0	99,643	D
Common Stock	03/01/2026		A		3,226(2)	A	$0	102,869	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 restricted shares of common stock, which vest in approximately equal installments on March 1, 2027, 2028 and 2029, subject to continued employment with the issuer on such date.

2. Represents award of performance share units subject to time and performance vesting conditions.

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 did Stellar Bancorp (STEL) disclose in this Form 4 filing?

The filing shows senior executive vice president and chief credit officer Joe F. West received two stock awards of 3,226 Stellar Bancorp common shares each, granted at no cash cost, increasing his direct holdings to 102,869 shares after the transactions.

How many Stellar Bancorp (STEL) shares were granted to Joe F. West?

Joe F. West was granted two separate awards of 3,226 Stellar Bancorp common shares each. These awards were recorded at a price of $0.00 per share, reflecting equity compensation rather than open-market purchases of the stock.

What are the vesting terms of Joe F. West’s restricted Stellar Bancorp (STEL) shares?

One award represents restricted Stellar Bancorp common shares that vest in roughly equal installments on March 1, 2027, 2028 and 2029. Vesting depends on Joe F. West remaining employed with Stellar Bancorp on each of those specified vesting dates.

What kind of performance share units did Stellar Bancorp (STEL) grant in this filing?

Stellar Bancorp granted Joe F. West performance share units classified as common stock awards. These units are subject to both time-based and performance-based vesting conditions, meaning payout depends on service duration and achievement of defined performance goals.

What is Joe F. West’s total direct ownership in Stellar Bancorp (STEL) after these awards?

After the reported stock awards, Joe F. West directly owns 102,869 shares of Stellar Bancorp common stock. This figure reflects his updated holdings following the two March 1, 2026 equity compensation grants disclosed in the Form 4.

Did Joe F. West buy or sell Stellar Bancorp (STEL) shares on the open market?

No open-market buying or selling is reported. The Form 4 lists acquisitions coded as awards at $0.00 per share, indicating equity compensation grants rather than purchases or sales of Stellar Bancorp stock in the public market.