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. disclosed that its Chief Executive Officer and director reported a routine share withholding transaction involving company common stock. On 12/31/2025, 2,617 shares of common stock were withheld at a price of $30.94 per share, designated with transaction code "F," which indicates shares withheld for tax purposes. After this tax withholding related to the vesting of previously reported restricted shares, the reporting person directly beneficially owned 396,285 shares of Stellar Bancorp common stock.
Stellar Bancorp, Inc. reported an insider transaction by its Senior Executive VP and CFO on 12/31/2025. The filing shows that 446 shares of common stock were disposed of at $30.94 per share, but the explanation clarifies these shares were withheld to satisfy tax liabilities related to the vesting of previously reported restricted shares, rather than an open-market sale.
Following this tax withholding transaction, the reporting officer beneficially owns 61,029 shares of Stellar Bancorp common stock, held directly.
Stellar Bancorp, Inc. reported an insider transaction by a Senior Executive Vice President and Chief Risk Officer. On 12/31/2025, the officer had 276 shares of common stock withheld in a transaction coded “F,” meaning the shares were surrendered to cover tax obligations related to previously reported restricted stock that vested.
Following this tax-withholding transaction at a reported price of $30.94 per share, the officer directly beneficially owned 81,224 shares of Stellar Bancorp common stock. The filing indicates the form was submitted for one reporting person and characterizes this as a routine equity compensation and tax-settlement event rather than an open-market trade.
Stellar Bancorp, Inc. filed an ownership report for one of its officers. The reporting person serves as Chief Banking Officer and is filing individually. The report shows beneficial ownership of 31,586 shares of Common Stock, held directly. It also lists 30,000 Employee Stock Options (right to buy), also held directly. This filing is an administrative disclosure of insider holdings required under securities laws.
Stellar Bancorp, Inc. director reported several small stock gifts under a Form 4 filing. On 12/09/2025, the insider made three transactions in Stellar Bancorp common stock coded "G," which indicates gifts. These included transfers of 630, 315, and 155 shares, each at a price of $0, reflecting that they were not market sales but no-consideration gifts. After these transactions, the director directly beneficially owned 29,136 shares of Stellar Bancorp common stock. No derivative securities were reported.
Stellar Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share of common stock on November 20, 2025. The dividend is payable on December 31, 2025 to shareholders of record at the close of business on December 31, 2025. This represents an increase of $0.01 per share from the prior quarterly dividend of $0.14, signaling a modest step-up in the company’s regular cash return to shareholders.
Stellar Bancorp, Inc. (STEL) reported Q3 2025 results showing steady core banking performance with lower year-over-year earnings. Net income was $25.7 million versus $33.9 million a year ago, and diluted EPS was $0.50. Net interest income was $100.6 million, roughly flat from $101.5 million, as lower interest expense helped offset softer loan yields.
Total assets were $10.63 billion at September 30, 2025, compared with $10.91 billion at year-end. Loans, net, were $7.09 billion (down from $7.36 billion at December 31, 2024) and total deposits were $8.82 billion (down from $9.13 billion), with a shift toward interest-bearing categories. Securities available for sale rose to $1.84 billion. The allowance for credit losses on loans was $78.9 million.
Operating costs were controlled, with total noninterest expense at $73.1 million in Q3. Accumulated other comprehensive loss improved to $(77.9) million, reflecting favorable marks. Year-to-date, the company paid $0.42 per share in dividends and repurchased shares, ending the quarter with 51,228,156 shares outstanding; as of October 22, 2025, shares outstanding were 51,187,494.
Stellar Bancorp, Inc. (STEL) furnished its Q3 2025 results via an 8-K. The company attached its earnings release (Exhibit 99.1) and earnings presentation (Exhibit 99.2), which are incorporated by reference.
The company scheduled an investor conference call and webcast for October 24, 2025 at 8:00 a.m. Central Time to review the quarter. The release and presentation are also posted on the company’s website. The furnished materials are not deemed “filed” for purposes of Section 18 of the Exchange Act.
Stellar Bancorp, Inc. (STEL) reporting person Joe F. West sold 1,032 shares of common stock on 10/01/2025 at a reported price of $30 per share, reducing his beneficial ownership to 97,144 shares. The filing states the shares were withheld to satisfy tax liability arising from the vesting of previously reported restricted shares. The sale is reported on a Form 4 filed by one reporting person and is signed by an attorney-in-fact on 10/03/2025.
Stellar Bancorp, Inc. (STEL) reporting person Ramon A. Vitulli, III reduced his direct holdings by 1,803 shares on 10/01/2025. The Form 4 states these shares were withheld to satisfy tax liability on the vesting of previously granted restricted common stock. After the withholding, Mr. Vitulli directly beneficially owned 110,246 shares. The filing was signed by an attorney-in-fact on 10/03/2025. This disclosure documents a routine withholding for taxes related to equity vesting rather than an open-market sale.