Stellar Bancorp (STEL) president has 735 shares withheld for taxes on vesting stock

Rhea-AI Filing Summary

Stellar Bancorp, Inc. President Ramon A. Vitulli III reported a tax-related share disposition involving the company’s common stock. On March 1, 2026, 735 shares were withheld at $37.66 per share to satisfy tax liabilities arising from the vesting of previously reported restricted stock awards.

Following this tax-withholding disposition, Vitulli’s directly held common stock balance is reported as 108,916 shares. This event reflects administrative share withholding for taxes rather than an open-market purchase or sale.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Vitulli, III Ramon A.

Role President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	735	$37.66	$28K

Holdings After Transaction: Common Stock — 108,916 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^*

Vitulli, III Ramon A.

(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)
	President

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		F		735(1)	D	$37.66	108,916	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	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 insider transaction did Stellar Bancorp (STEL) report for Ramon A. Vitulli III?

Stellar Bancorp reported that President Ramon A. Vitulli III had 735 common shares withheld at $37.66 each to cover tax liabilities from vesting restricted stock. This is a tax-withholding disposition, not an open-market buy or sell.

How many Stellar Bancorp (STEL) shares were involved in the latest Form 4 filing?

The Form 4 shows 735 Stellar Bancorp common shares disposed of via tax withholding at $37.66 per share. These shares were withheld to satisfy taxes on vesting restricted stock, as noted in the filing’s footnote.

What is Ramon A. Vitulli III’s Stellar Bancorp (STEL) share balance after the transaction?

After the tax-withholding disposition, President Ramon A. Vitulli III is reported as directly owning 108,916 Stellar Bancorp common shares. This figure reflects his holdings following the 735-share withholding for tax obligations related to restricted stock vesting.

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

No. The transaction is coded “F” and described as a tax-withholding disposition. The 735 shares were withheld to satisfy tax liabilities from vesting restricted shares, rather than being sold in an open-market transaction.

What does transaction code “F” mean in the Stellar Bancorp (STEL) Form 4?

Transaction code “F” indicates payment of an exercise price or tax liability by delivering securities. In this case, 735 Stellar Bancorp shares were withheld at $37.66 each to cover taxes on vesting restricted stock previously reported.