{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-23-000004","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.145627+00:00","generated_at":"2026-06-20T07:07:49.019879+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Stellar Bancorp posts Q4 net income $2.1M on $44.8M provision; merger costs $11.5M","bullets":["Net income $2.1M ($0.04 EPS) vs. $??? prior YoY; FY2022 net income $51.4M ($1.47 EPS).","Tax-equivalent NIM 4.71% (ex-purchase accounting 4.38%); pre-tax pre-provision income $46.6M.","Provision for credit losses $44.8M includes $28.2M on non-PCD loans and $5.0M on unfunded commitments.","Total assets $10.90B, loans $7.75B, deposits $9.27B; nonperforming assets 0.41% of assets.","Annualized ROA 0.07%, ROE 0.60%, ROTCE 1.18%; merger expenses $11.5M in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-23-000004","json":"https://secwatch.observer/filing/0001473844-23-000004.json","markdown":"https://secwatch.observer/filing/0001473844-23-000004.md","text":"https://secwatch.observer/filing/0001473844-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000004/0001473844-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000004/stel-20230127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:07:49.019879+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":[{"claim_id":"1b64e97216c3b0a1b12fa347457221eb5faea28d","claim":"Stellar Bancorp, Inc. reported the fourth quarter 2022 results: net income $2.1 million, EPS $0.04 earnings per diluted share.","evidence_excerpt":"Stellar Bancorp, Inc. (the “Company” or “Stellar”) (NASDAQ: STEL) today reported net income of $2.1 million, or $0.04 earnings per diluted share, for the fourth quarter 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000004/0001473844-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter 2022"},{"label":"Net income","value":"$2.1 million"},{"label":"EPS","value":"$0.04 earnings per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"694d82177b22589d41723380763d84ba77ebb910","claim":"Stellar Bancorp, Inc. reported the year ended December 31, 2022 results: net income $51.4 million, EPS $1.47 earnings per diluted share.","evidence_excerpt":"and $51.4 million, or $1.47 earnings per diluted share, for the year ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000004/0001473844-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$51.4 million"},{"label":"EPS","value":"$1.47 earnings per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}