Stellar Bancorp (STEL) officer reports tax withholding of 374 shares

Rhea-AI Filing Summary

Stellar Bancorp, Inc. reported an insider equity transaction by its Senior Executive Vice President, General Counsel and Secretary. On 12/31/2025, the officer had 374 shares of common stock withheld at $30.94 per share, coded as transaction type F, which indicates shares were withheld to cover taxes.

After this tax-related withholding tied to the vesting of previously reported restricted shares, the officer beneficially owned 47,489 shares of Stellar Bancorp common stock in direct ownership. The filing clarifies this was not an open-market sale but a share withholding to satisfy tax liability upon vesting.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Long Justin M

Role SEVP, GC & Secretary

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	374	$30.94	$12K

Holdings After Transaction: Common Stock — 47,489 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^*

Long Justin M

(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)
	SEVP, GC & Secretary

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		374(1)	D	$30.94	47,489	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	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 filing reports that a senior officer had 374 shares of Stellar Bancorp common stock withheld on 12/31/2025 to satisfy tax liability upon vesting of previously reported restricted shares.

Who is the insider involved in this Stellar Bancorp (STEL) Form 4 filing and what is their role?

The insider is a Stellar Bancorp officer serving as Senior Executive Vice President, General Counsel & Secretary, as indicated in the relationship section of the filing.

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

The 374 shares of Stellar Bancorp common stock were withheld at a price of $30.94 per share in the tax-related transaction coded as F.

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

Following the withholding of shares to cover taxes, the officer beneficially owned 47,489 shares of Stellar Bancorp common stock, held in direct ownership.

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

No. The explanation states that the 374 shares represent shares withheld to satisfy tax liability for the vesting of restricted shares of common stock previously reported, rather than an open-market sale.

Does this Stellar Bancorp (STEL) Form 4 involve any derivative securities?

The section for derivative securities shows no entries, indicating no options, warrants, or other derivative securities were reported in this particular filing.