---
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"
generated_at: "2026-05-27T05:14:56.815060+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Stellar Bancorp Q4 net income $27.8M ($0.52 EPS); NIM expands to 4.25%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001473844-25-000008
- JSON: https://secwatch.observer/filing/0001473844-25-000008.json
- Plain text: https://secwatch.observer/filing/0001473844-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.