{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-24-000005","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.272347+00:00","generated_at":"2026-06-06T16:30:59.116918+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Stellar Bancorp Q4 net income $27.3M ($0.51 EPS); NIM expands to 4.40% but expenses rise on FDIC assessment","bullets":["Net income $27.3M, diluted EPS $0.51 for Q4 2023; full-year net income $130.5M, EPS $2.45.","Tax-equivalent NIM 4.40% (up 3 bps QoQ); net interest income $105.9M (-0.7% QoQ).","Noninterest expense $77.9M (+10.2% QoQ) includes $2.4M FDIC special assessment and $1.9M severance.","Loans down $79.4M to $7.93B; deposits up $186.8M to $8.87B; NIM excl. purchase accounting 3.91%.","Tangible book value per share up 21.4% to $17.02; total risk-based capital ratio 14.02%."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-24-000005","json":"https://secwatch.observer/filing/0001473844-24-000005.json","markdown":"https://secwatch.observer/filing/0001473844-24-000005.md","text":"https://secwatch.observer/filing/0001473844-24-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000005/0001473844-24-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000005/stel-20240126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:30:59.116918+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":"cd1c5ad02fca9320c12acdc481906554ecc6735a","claim":"Stellar Bancorp, Inc. reported financial results for year ended December 31, 2023 and fourth quarter of 2023.","evidence_excerpt":"On January 26, 2024, Stellar Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the year ended December 31, 2023 and fourth quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000005/0001473844-24-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023 and fourth 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"}