{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-25-000008","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.725177+00:00","generated_at":"2026-05-27T05:14:56.815060+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 $27.8M ($0.52 EPS); NIM expands to 4.25%","bullets":["Net income $27.8M ($0.52 diluted EPS) for Q4 2024; full-year net income $117.6M ($2.20 EPS).","Tax-equivalent net interest margin 4.25%, up 6 bps from Q3; core NIM (ex-PAA) 3.94%.","Total deposits grew $385.8M to $9.13B; loans decreased $111.3M to $7.44B.","Nonperforming assets $38.9M (0.36% of assets) vs $35.1M (0.33%) at Q3-end; net charge-offs $2.0M (0.11% annualized).","Total risk-based capital ratio improved to 16.06% from 14.02% a year ago; tangible book value per share $19.10."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-25-000008","json":"https://secwatch.observer/filing/0001473844-25-000008.json","markdown":"https://secwatch.observer/filing/0001473844-25-000008.md","text":"https://secwatch.observer/filing/0001473844-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000008/0001473844-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000008/stel-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:14:56.815060+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"}