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

Rhea-AI Filing Summary

Stellar Bancorp insider Paul P. Egge, the bank's Senior Executive VP, CFO, reported a transfer related to the vesting of restricted common stock. On 10/01/2025 1,513 shares were disposed of under transaction code F to satisfy tax withholding obligations at a price of $30 per share. After this transaction the reporting person beneficially owns 61,475 shares of Stellar Bancorp (ticker STEL). The Form 4 was signed by an authorized representative on 10/03/2025. The filing shows a routine tax-withholding sale tied to previously reported restricted-share vesting rather than an open-market investment decision.

Positive

• Reporting person retains 61,475 shares after the tax-withholding disposition
• Disposition was a tax-withholding on vested restricted shares, a routine administrative action

Negative

• 1,513 shares were disposed of on 10/01/2025 at $30 per share to satisfy taxes

Insights

Corporate Governance Analyst

Insider executed a tax-withholding disposition of vested restricted shares.

The Form 4 discloses a 10/01/2025 disposition of 1,513 shares under code F, which the filer explains were withheld to satisfy taxes on restricted shares that vested that day. This is an administrative, non-discretionary transfer rather than a voluntary sale for liquidity.

The reporting person still holds 61,475 shares after the withholding. That retained ownership indicates continued insider exposure to the company's equity position following vesting.

Insider Transactions Specialist

Transaction shows price and nature: withheld at $30 per share for tax obligations.

The Form 4 lists a per-share price of $30, implying the withholding calculation used that price for the tax-related disposition. The filing includes an explicit explanatory note that the shares were withheld to satisfy tax liability stemming from prior restricted-share awards.

Because the action is a withholding for taxes, it is treated as routine reporting under Section 16 rules and does not, by itself, indicate a change in the executive's view of company prospects.

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^*

Egge Paul P

(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, CFO

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		1,513(1)	D	$30	61,475	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 Form 4 for Stellar Bancorp (STEL) report?

The Form 4 reports that Paul P. Egge had 1,513 shares withheld to satisfy tax liability on vested restricted shares, leaving 61,475 shares beneficially owned.

When did the reported transaction occur on the Form 4?

The transaction date was 10/01/2025, and the Form 4 was signed on 10/03/2025.

What does transaction code F mean in this Form 4?

In this filing, transaction code F indicates a disposition related to tax withholding on vested restricted stock; the filer explicitly states the shares were withheld to satisfy taxes.

At what price were the shares withheld?

The Form 4 lists a price of $30 per share for the withheld 1,513 shares.

Who is the reporting person on this Form 4?

The reporting person is Paul P. Egge, listed as Senior Executive VP, CFO of Stellar Bancorp.