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

Rhea-AI Filing Summary

Stellar Bancorp, Inc. (STEL) reporting person Joe F. West sold 1,032 shares of common stock on 10/01/2025 at a reported price of $30 per share, reducing his beneficial ownership to 97,144 shares. The filing states the shares were withheld to satisfy tax liability arising from the vesting of previously reported restricted shares. The sale is reported on a Form 4 filed by one reporting person and is signed by an attorney-in-fact on 10/03/2025.

Positive

• 1,032 shares withheld were explicitly for tax liability on vested restricted shares, indicating an administrative withholding rather than an opportunistic open-market liquidation
• Form 4 includes post-transaction beneficial ownership of 97,144 shares, providing clear transparency on insider holdings

Negative

• None.

Insights

Corporate Governance Analyst

Insider sold a modest block after restricted shares vested; withholding for taxes, not a market sale decision.

The Form 4 shows 1,032 shares were disposed on 10/01/2025 at $30 per share, with beneficial ownership post-transaction at 97,144 shares. The explanatory note explicitly states the shares were withheld to satisfy tax withholding on vested restricted stock, which is an internal tax settlement mechanism rather than an independent open-market sale.

This action is common when restricted awards vest; it reduces the reporting person's share count but does not necessarily reflect a discretionary liquidity choice.

Insider Transactions Specialist

Transaction is clearly documented and timely filed; details allow ownership tracking.

The filing includes the transaction code F and an ownership update to 97,144 shares, enabling precise tracing of post-transaction holdings. The signature by an attorney-in-fact on 10/03/2025 is provided, satisfying Form 4 execution requirements in the document.

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
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

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)
10/01/2025

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	10/01/2025		F		1,032(1)	D	$30	97,144	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 10/01/2025 vesting of restricted shares of Common Stock previously reported.

Remarks:

	/s/ Justin M. Long, attorney-in-fact	10/03/2025
	** 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 STEL Form 4 filed by Joe F. West disclose?

The filing discloses a disposition of 1,032 common shares on 10/01/2025 at $30 per share, reducing his holdings to 97,144 shares.

Why were 1,032 shares sold according to the Form 4?

The filing states the shares were withheld to satisfy tax liability arising from the vesting of restricted shares previously reported.

When was the Form 4 signed and filed for the STEL transaction?

The Form 4 shows a signature by an attorney-in-fact on 10/03/2025 and lists the transaction date as 10/01/2025.

How much did the shares sell for in the reported transaction?

The reported price per share for the disposition is $30.

Does the Form 4 indicate whether the filing was joint or individual?

The Form 4 is filed by one reporting person, not jointly.