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.
Stellar Bancorp, Inc. SEC filings document the reporting obligations of a bank holding company whose common stock trades under STEL. The filing record includes Form 8-K material-event reports covering operating and financial results, dividend declarations, subordinated note redemptions, material definitive agreements and capital-structure disclosures.
The company's regulatory documents also address shareholder communications and voting matters, governance actions and exchange-listed common stock information. For Stellar Bank's holding company, these disclosures frame commercial banking performance, balance-sheet actions and formal corporate events.
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.
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.