Welcome to our dedicated page for Stellar Bancorp SEC filings (Ticker: STEL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Stellar Bancorp, Inc. (NYSE: STEL) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a Texas-incorporated bank holding company. Stellar Bancorp files reports with the U.S. Securities and Exchange Commission under Commission File Number 001-38280, and these documents offer detailed insight into its commercial banking operations through Stellar Bank.
Investors can review Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q for information on net interest income, loan and deposit balances, capital ratios, asset quality metrics and risk factors. These periodic reports expand on themes highlighted in the company’s earnings releases, such as loan portfolio composition, allowance for credit losses and the performance of its Texas-focused banking franchise.
The company also files Current Reports on Form 8-K to disclose material events. Recent 8-K filings have covered quarterly financial results, investor presentations, declarations of quarterly cash dividends on common stock and capital actions such as the planned redemption of a portion of its subordinated notes. These filings often incorporate press releases and earnings presentations by reference.
On Stock Titan, users can access these SEC filings with AI-powered summaries that highlight key points, helping to interpret complex sections of lengthy documents. Real-time updates from the SEC’s EDGAR system ensure that new 10-K, 10-Q and 8-K filings for Stellar Bancorp appear promptly. The filings page also makes it easier to track items such as dividend declarations and other board actions disclosed under Item 8.01 of Form 8-K.
By using this page, investors and researchers can efficiently review Stellar Bancorp’s regulatory history, understand its financial reporting and examine how management describes the company’s commercial banking activities and risk profile in official SEC documents.
Stellar Bancorp, Inc. Chief Banking Officer Jason D. Sirkel disposed of 263 shares of common stock on March 1, 2026 to satisfy tax withholding for vesting of previously reported restricted stock, rather than through an open-market sale. After this tax-withholding disposition, he directly holds 31,323 common shares and 30,000 employee stock options.
Stellar Bancorp, Inc. Executive Chairman Steven F. Retzloff reported a small insider transaction related to equity compensation. On March 1, 2026, 665 shares of common stock were withheld at $37.66 per share to cover tax obligations on previously reported restricted stock vesting, a tax-withholding disposition rather than an open‑market sale. After this, he directly owned 124,215 common shares, and the filing also notes additional indirect holdings, including shares held by Retzloff Industries, Inc., Retzloff Holdings, LTD., and SF Retzloff Family Limited Partnership, LTD.
Stellar Bancorp, Inc. executive Justin M. Long reported a small share disposition related to tax withholding, not an open-market trade. On vesting of previously reported restricted stock, 452 shares of common stock were withheld at $37.66 per share to cover tax liabilities. After this tax-withholding disposition, Long directly holds 47,037 shares of Stellar Bancorp common stock.
Stellar Bancorp, Inc. Chief Executive Officer Robert R. Franklin Jr. reported a tax-related share disposition. On March 1, 2026, 1,200 shares of common stock were withheld at $37.66 per share to satisfy tax liability upon vesting of previously reported restricted stock. After this tax-withholding disposition, he directly held 395,085 shares of Stellar Bancorp common stock.
Stellar Bancorp, Inc. Senior Executive VP and CFO Paul P. Egge reported a small administrative share disposition related to equity compensation. On the reported date, 584 shares of common stock were withheld at $37.66 per share to cover tax obligations upon vesting of previously reported restricted stock, leaving him with 60,445 directly held shares.
Stellar Bancorp, Inc. senior executive vice president and chief risk officer Akin Okan I. reported a tax-related share disposition. On March 1, 2026, 365 shares of common stock were withheld to cover tax liabilities upon vesting of previously reported restricted shares at $37.66 per share. After this tax-withholding disposition, he directly owns 80,859 shares of Stellar Bancorp common stock.
Stellar Bancorp, Inc. reports on its 2025 operations as a Houston-based bank holding company and discloses a pending merger with Prosperity Bancshares, Inc. Under the agreement, each Stellar share will convert into 0.3803 Prosperity shares plus $11.36 in cash at closing.
As of December 31, 2025, Stellar had total assets of $10.81 billion, loans of $7.30 billion, deposits of $9.02 billion and shareholders’ equity of $1.67 billion. The company operates 52 banking centers across Texas, focuses on small- and medium-sized business clients, and emphasizes strong capital ratios and disciplined underwriting.
Stellar Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share of common stock. The dividend will be paid on March 31, 2026 to shareholders of record at the close of business on March 16, 2026.
The company, a Houston-based bank holding company whose principal subsidiary is Stellar Bank, provides commercial banking services primarily to small- and medium-sized businesses and individual customers across several Texas markets.
North Reef Capital Management LP, its general partner and principal James Hanna III reported a passive stake in Stellar Bancorp, Inc. common stock. They beneficially own 2,875,245 shares, representing 5.62% of the outstanding common stock as of 12/31/2025.
The filing shows shared voting and dispositive power over all reported shares and no sole voting or dispositive power. The group certifies the position was acquired and is held in the ordinary course of business, not for the purpose of changing or influencing control of Stellar Bancorp.
Stellar Bancorp and Prosperity Bancshares use this call to explain the strategic and financial logic of their proposed merger. Management highlights that combining the banks would lift Prosperity’s Houston deposit rank from ninth to fifth, making it the largest Texas-based bank in that market and second-largest by deposits in the state.
Leaders from both companies describe a close cultural and credit-risk fit, emphasizing similar focus on low-cost core deposits, conservative underwriting and granular commercial lending. They discuss internal expectations for Stellar’s earnings, citing a fourth-quarter 2025 EPS run-rate of about $0.55, or $2.20 annualized, and note roughly $100 million more interest-earning assets entering 2026.
Prosperity projects meaningful long-term accretion from Stellar and two other pending deals, targeting 2027 EPS of $7.34 and an increase in return on average tangible capital from 13% to 17%. Management defends paying about 18 times one-year forward earnings, citing Stellar’s strong noninterest-bearing deposit base, higher net interest margin around 4.2% versus Prosperity’s 3.5%, and the enhanced franchise value of a larger Texas platform.