{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-23-000015","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2023-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.970760+00:00","generated_at":"2026-06-16T06:23:02.234315+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Stellar Bancorp Q1 net income $37.1M ($0.70 EPS); NIM expands to 4.80%","bullets":["Net income $37.1M, diluted EPS $0.70; annualized ROAA 1.38%, ROATE 19.32%.","Net interest margin (tax-equiv) improved to 4.80% from 4.71% QoQ; PAA income $10.1M.","Noninterest expense down $7.0M to $72.6M; efficiency ratio 58.96% vs 65.14%.","Total deposits decreased $528.8M to $8.74B; uninsured deposits (ex-collateral) 46.4%.","Provision for credit losses $3.7M vs $44.8M prior qtr; NPA ratio stable at 0.41%."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-23-000015","json":"https://secwatch.observer/filing/0001473844-23-000015.json","markdown":"https://secwatch.observer/filing/0001473844-23-000015.md","text":"https://secwatch.observer/filing/0001473844-23-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000015/0001473844-23-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000015/stel-20230428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T06:23:02.234315+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":"222ad89df6d12f791b326455f8862df5b04e7e97","claim":"Stellar Bancorp, Inc. reported first quarter 2023 results: net income $37.1 million, EPS $0.70.","evidence_excerpt":"Stellar Bancorp, Inc. (the “Company” or “Stellar”) (NASDAQ: STEL) today reported net income of $37.1 million and diluted earnings per share of $0.70 for the first quarter 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000015/0001473844-23-000015-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2023"},{"label":"Net income","value":"$37.1 million"},{"label":"EPS","value":"$0.70"},{"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"}