{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-23-000051","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.173739+00:00","generated_at":"2026-06-09T06:56:15.560720+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 Q3 net income $30.9M ($0.58 EPS) down from $35.2M ($0.66) Q2; loan loss provisions rise","bullets":["Net income $30.9M ($0.58 diluted EPS) vs Q2 $35.2M ($0.66); annualized ROAA 1.14%, ROATE 14.47%.","Tax equivalent NIM 4.37% (Q2: 4.49%); NIM ex-PAA 3.87% (Q2: 3.97%). Loans $8.00B (-$64.2M QoQ).","Net charge-offs $8.1M (0.40% annualized) mainly from one C&I loan; provision $2.3M. NPAs 0.36% of assets.","Deposits $8.69B (-$79.7M); noninterest-bearing deposits 42.1%. Uninsured deposits net of collateral: 44.5%.","Regulatory capital strengthened: total risk-based ratio 13.42% (Dec 2022: 12.39%), Tier 1 leverage 9.82%."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-23-000051","json":"https://secwatch.observer/filing/0001473844-23-000051.json","markdown":"https://secwatch.observer/filing/0001473844-23-000051.md","text":"https://secwatch.observer/filing/0001473844-23-000051.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000051/0001473844-23-000051-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000051/stel-20231027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T06:56:15.560720+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":"5b023d4ee8976385e7bf647002e935de23c82923","claim":"Stellar Bancorp, Inc. reported financial results for the third quarter of 2023.","evidence_excerpt":"On October 27, 2023, Stellar Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the third quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384423000051/0001473844-23-000051-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"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"}