Stellar Bancorp (STEL) officer reports 315-share tax withholding and 96,829 owned

Rhea-AI Filing Summary

Stellar Bancorp, Inc. reported an insider stock transaction by its Senior Executive VP and Chief Credit Officer. On 12/31/2025, the executive had 315 shares of common stock withheld in a transaction coded “F” at a price of $30.94 per share. This code indicates shares were used to cover tax obligations tied to previously reported restricted stock that vested.

After this tax-withholding event, the officer directly beneficially owned 96,829 shares of Stellar Bancorp common stock. The filing characterizes this as a routine adjustment related to equity compensation rather than an open-market sale.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider West Joe F

Role Senior Executive VP, CCO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	315	$30.94	$10K

Holdings After Transaction: Common Stock — 96,829 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^*

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)
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		315(1)	D	$30.94	96,829	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 filing?

The filing shows a Senior Executive VP and Chief Credit Officer had 315 shares of common stock withheld on 12/31/2025 in a transaction coded “F” at $30.94 per share.

Who is the reporting person in the Stellar Bancorp (STEL) insider filing?

The reporting person is an officer of Stellar Bancorp, Inc., serving as Senior Executive Vice President and Chief Credit Officer.

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

Following the reported tax-withholding transaction, the officer directly beneficially owned 96,829 shares of Stellar Bancorp common stock.

What does transaction code "F" mean in this Stellar Bancorp (STEL) insider report?

Code “F” indicates shares were withheld to satisfy tax liability upon vesting of previously reported restricted shares of common stock.

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

No. The explanation states the 315 shares represent stock withheld to cover taxes for vesting restricted shares, not a discretionary open-market sale.

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

The section for derivative securities is included in the form but contains no specific derivative transactions in the provided content.