{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-23-000042","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2023-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.025006+00:00","generated_at":"2026-06-12T22:58:04.291297+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Stellar Bancorp Q2 net income $35.2M ($0.66 EPS), down from Q1 $37.1M ($0.70 EPS)","bullets":["Net income $35.2M, diluted EPS $0.66 vs $37.1M, $0.70 in Q1 2023.","Tax-equivalent net interest margin 4.49%, down 31 bps from 4.80%; excluding PAA margin 3.97%.","Total loans grew $182.7M to $8.07B; deposits up $27.5M to $8.77B; noninterest-bearing deposits 42.4% of total.","Provision for credit losses $1.9M, net charge-offs $236k (0.01% annualized); nonperforming assets stable at $43.3M.","Regulatory capital ratios improved: total risk-based capital 13.03% (Dec 2022: 12.39%), Tier 1 leverage 9.51% (8.55%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-23-000042","json":"https://secwatch.observer/filing/0001473844-23-000042.json","markdown":"https://secwatch.observer/filing/0001473844-23-000042.md","text":"https://secwatch.observer/filing/0001473844-23-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000042/0001473844-23-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000042/stel-20230728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T22:58:04.291297+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"}