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

Rhea-AI Filing Summary

Stellar Bancorp, Inc. director reported several small stock gifts under a Form 4 filing. On 12/09/2025, the insider made three transactions in Stellar Bancorp common stock coded "G," which indicates gifts. These included transfers of 630, 315, and 155 shares, each at a price of $0, reflecting that they were not market sales but no-consideration gifts. After these transactions, the director directly beneficially owned 29,136 shares of Stellar Bancorp common stock. No derivative securities were reported.

Insider Trade Summary

1,100 shares gifted

Mixed 3 txns

Insider Jeter Frances H.

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	630	$0.00	--
Gift	Common Stock	315	$0.00	--
Gift	Common Stock	155	$0.00	--

Holdings After Transaction: Common Stock — 29,606 shares (Direct)

Footnotes (1)

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^*

Jeter Frances H.

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/09/2025

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	12/09/2025		G		630	D	$0	29,606	D
Common Stock	12/09/2025		G		315	D	$0	29,291	D
Common Stock	12/09/2025		G		155	D	$0	29,136	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:

Remarks:

	/s/ Justin M. Long	12/11/2025
	** 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 the Stellar Bancorp (STEL) insider report in this Form 4?

The filing shows a director of Stellar Bancorp, Inc. reported three gift (G) transactions in common stock on 12/09/2025.

How many Stellar Bancorp (STEL) shares were transferred by the director?

The director reported gifts of 630, 315, and 155 common shares, for a total of 1,100 shares transferred.

What does transaction code "G" mean for this STEL Form 4?

Transaction code "G" in the Form 4 indicates the transfers were gifts, not open-market purchases or sales.

At what price were the Stellar Bancorp (STEL) shares reported in the gifts?

Each reported gift transaction shows a price of $0 per share, consistent with shares being transferred as gifts without consideration.

How many Stellar Bancorp (STEL) shares does the director own after the reported gifts?

Following the reported transactions, the director directly beneficially owned 29,136 shares of Stellar Bancorp common stock.

Were any derivative securities reported in this Stellar Bancorp (STEL) Form 4?

No. The section for derivative securities shows no reported options, warrants, or other derivative instruments.