{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-24-000036","form_type":"8-K/A","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2024-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.536099+00:00","generated_at":"2026-05-30T10:01:20.468952+00:00","sec_items":["9.01","2.02","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Stellar Bancorp Q3 net income $33.9M ($0.63 EPS); redeems $40M sub notes due 2027","bullets":["Net income $33.9M ($0.63 diluted EPS) vs $29.8M ($0.56) Q2 2024; ROAA 1.27%.","Tax-equivalent NIM 4.19%; excluding purchase accounting accretion 3.91%.","Nonperforming loans fell $18.8M to $32.1M; reversal of provision $6.0M.","Book value per share $30.43; tangible book value $19.28, up from $18.00 Q2.","Repurchased 108,984 shares at avg $26.10; to redeem $40M sub notes at 100% of principal."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-24-000036","json":"https://secwatch.observer/filing/0001473844-24-000036.json","markdown":"https://secwatch.observer/filing/0001473844-24-000036.md","text":"https://secwatch.observer/filing/0001473844-24-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000036/0001473844-24-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384424000036/stel-20241025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:01:20.468952+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"}