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.
Prosperity Bancshares used its Q4 2025 call to explain its proposed acquisition of Stellar Bancorp and the expected impact on earnings, margins, and capital. Management said the deal would move the combined bank’s Houston deposit rank from ninth to fifth and make it the largest Texas-based bank in that market. Stellar’s stronger margin, around 4.2%, is expected to lift Prosperity’s net interest margin above 3.5% in 2026, helped by Stellar’s granular loan book and non‑interest‑bearing deposits. For 2027, Prosperity is targeting $7.34 in EPS and a return on average tangible capital rising from 13% to about 17%, arguing the premium price (about 18x one‑year‑forward earnings and a 4.5‑year earn‑back) is justified by franchise value. Executives emphasized strong cultural and credit alignment, extensive leadership relationships, retention and non‑compete agreements, and ample liquidity and capital, while also outlining standard regulatory, integration, and execution risks in detailed forward‑looking statements.
Prosperity Bancshares, Inc. agreed to acquire Stellar Bancorp, Inc. in a stock-and-cash merger. Stellar will merge into Prosperity, followed by Stellar Bank merging into Prosperity Bank, with Prosperity and Prosperity Bank remaining as the surviving entities.
Each share of Stellar common stock will be converted into 0.3803 shares of Prosperity common stock plus $11.36 in cash, subject to a cap that can slightly reduce the stock portion and increase the cash portion if Prosperity would otherwise issue more than 19.9% of its pre-deal shares. Stellar directors holding about 8.8% of Stellar shares have signed voting agreements supporting the deal, and a termination fee of $78 million may be payable by Stellar if the agreement ends under specified circumstances. Closing requires Stellar shareholder approval and multiple U.S. bank regulatory approvals, and the parties intend the merger to qualify as a tax-free reorganization.
Stellar Bancorp, Inc. entered into a definitive agreement to merge with Prosperity Bancshares, Inc., with Stellar merging into Prosperity and Stellar Bank combining into Prosperity Bank after closing. Prosperity will be the surviving public company.
Each share of Stellar common stock will be converted into 0.3803 shares of Prosperity common stock plus $11.36 in cash, with cash paid instead of fractional Prosperity shares. The merger requires Stellar shareholder approval, multiple bank regulatory approvals and effectiveness of a Form S-4 registration statement. Stellar faces a $78 million termination fee in certain breakup scenarios. Directors holding about 8.8% of Stellar shares signed voting agreements supporting the deal and separate two‑year director support agreements restricting use of confidential information and certain solicitation of customers and employees.
Stellar Bancorp, Inc. agreed to merge with Prosperity Bancshares, Inc., with Stellar combining into Prosperity and Stellar Bank combining into Prosperity Bank. Prosperity will be the surviving corporation and bank.
At closing, each share of Stellar common stock will be converted into the right to receive 0.3803 shares of Prosperity common stock plus $11.36 in cash, with cash paid instead of fractional Prosperity shares. The boards of both companies unanimously approved the merger, and Prosperity will add two Stellar-affiliated directors to each of the Prosperity and Prosperity Bank boards.
Completion depends on Stellar shareholder approval, regulatory approvals, NYSE listing of the Prosperity shares to be issued, effectiveness of a Form S-4 registration statement, and customary closing conditions, including tax opinions that the merger qualifies as a reorganization. The agreement includes a $78 million termination fee payable by Stellar in specified circumstances.
Prosperity also entered into voting agreements with Stellar directors covering about 8.8% of Stellar’s outstanding shares and separate two-year support agreements restricting those directors’ use of confidential information and certain solicitation of customers and employees after closing.
Stellar Bancorp, Inc. plans to merge with Prosperity Bancshares, Inc. under a definitive Agreement and Plan of Merger dated January 27, 2026. The combined bank is expected to have approximately $54 billion in assets and become the second-largest Texas‑headquartered bank by assets. Management highlights Prosperity’s similar community‑banking culture, strong capital position and over 300 locations across Texas and Oklahoma. The merger is expected to close late in the second quarter of 2026, subject to customary shareholder and regulatory approvals and other closing conditions. Stellar emphasizes that it remains business as usual until closing and that employees will receive information about future roles within about six weeks, with further details on benefits and compensation to follow. The communication also includes extensive forward‑looking statement cautions and notes that a Form S‑4 registration statement and joint proxy statement/prospectus will be filed with the SEC.
Stellar Bancorp, Inc. plans to merge with Prosperity Bancshares, Inc. under a definitive agreement announced January 28, 2026. Stellar will combine with Prosperity to form a larger regional bank with approximately $54 billion in assets, creating the second largest Texas‑headquartered bank by assets.
The companies highlight broader products and services, higher lending limits, and continued local decision-making for customers across Texas and Oklahoma. Most Stellar branches are expected to remain open, and management does not expect a significant number of eliminated positions, though final decisions will follow integration planning. Closing is targeted for the second quarter of 2026, subject to Stellar shareholder and regulatory approvals and other customary conditions, with system conversion expected in 2027.
Prosperity Bancshares, Inc. filed a current report stating that it has released its financial results for the fourth quarter ended December 31, 2025. The company issued a press release on January 28, 2026 detailing its operating performance for this period.
The press release is furnished as Exhibit 99.1 and is incorporated by reference, but it is not treated as formally filed for liability purposes under the securities laws. No additional financial figures or strategic actions are described in this report itself.
Stellar Bancorp, Inc. furnished its financial results for the fourth quarter of 2025 by issuing a press release, which is attached as Exhibit 99.1 and treated as furnished rather than filed for liability purposes. The detailed numbers are contained in that exhibit.
The company also disclosed that it has entered into a merger agreement with Prosperity Bancshares, Inc. and, because of this announcement, cancelled its previously scheduled earnings conference call that was set for January 30, 2026. The report includes customary forward-looking statement warnings and directs readers to prior annual and quarterly reports for risk factors.
Stellar Bancorp, Inc. announced that it has entered into an Agreement and Plan of Merger under which Stellar will merge with and into Prosperity Bancshares, Inc., with Prosperity continuing as the surviving corporation.
Immediately after this parent-level merger, Stellar Bank is expected to merge into Prosperity Bank, which will be the surviving bank. The companies plan to file a registration statement on Form S-4, including a joint proxy statement/prospectus, so Stellar shareholders can vote on the proposed transaction and receive detailed information about the issuance of Prosperity common stock and the risks and conditions involved.
Stellar Bancorp, Inc. announced that it has entered into an Agreement and Plan of Merger with Prosperity Bancshares, Inc., under which Stellar will merge with and into Prosperity, and Prosperity will be the surviving corporation.
Immediately after the parent merger, Stellar Bank will merge into Prosperity Bank, which will remain as the surviving bank. The companies furnished a joint press release and an investor presentation outlining the proposed transaction and related information, and indicated that Prosperity will file a Form S-4 registration statement with a joint proxy statement/prospectus for Stellar shareholders.