{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-007187","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.148080+00:00","generated_at":"2026-05-16T06:58:59.075812+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"m_and_a","sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"medium","headline":"Stellar Bancorp enters merger with Prosperity; Q4 EPS $0.51, NIM expands","bullets":["Merger agreement with Prosperity Bancshares, Inc. announced; conference call canceled, deal terms undisclosed.","Q4 2025 net income $26.1M ($0.51 diluted EPS); full-year net income $102.9M ($1.99 EPS).","Net interest income $103.4M; tax-equivalent NIM ex-PAA 4.06%, up from 4.00% in Q3.","Nonperforming assets rose to 0.56% of assets; provision for credit losses $5.1M vs $305K in prior quarter.","Repurchased 299,347 shares at avg $30.44; redeemed $30M subordinated debt in October."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-007187","json":"https://secwatch.observer/filing/0001104659-26-007187.json","markdown":"https://secwatch.observer/filing/0001104659-26-007187.md","text":"https://secwatch.observer/filing/0001104659-26-007187.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000110465926007187/0001104659-26-007187-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000110465926007187/tm264235d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:58:59.075812+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}