{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-24-000032","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2024-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.536321+00:00","generated_at":"2026-05-30T10:01:33.549457+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Stellar Bancorp Q3 net income $33.9M ($0.63 EPS), up from $29.8M; to redeem $40M sub notes","bullets":["Net income $33.9M ($0.63 diluted EPS) vs $29.8M ($0.56) in Q2 2024; annualized ROAA 1.27%.","Net interest margin (tax-equivalent) 4.19% vs 4.24%; excluding PAA, NIM 3.91% vs 3.82%.","Nonperforming loans down $18.8M to $32.1M; ACL-to-NPL ratio 262.92% vs 186.17%.","Loans fell $162.8M to $7.55B; deposits up $17.3M to $8.74B; repurchased 108,984 shares at $26.10.","To redeem all $40M of 2027 sub notes at par plus accrued interest."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-24-000032","json":"https://secwatch.observer/filing/0001473844-24-000032.json","markdown":"https://secwatch.observer/filing/0001473844-24-000032.md","text":"https://secwatch.observer/filing/0001473844-24-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000032/0001473844-24-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000032/stel-20241025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:01:33.549457+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"}