{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-25-000030","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.405726+00:00","generated_at":"2026-05-23T05:48:32.286007+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Stellar Bancorp Q1 2025 net income $24.7M ($0.46 EPS); NIM 4.20%","bullets":["Net income $24.7M, down from $25.2M in Q4; diluted EPS $0.46 vs $0.47.","Net interest margin 4.20% (tax-equivalent) vs 4.25% Q4; ex-PAA 3.97% vs 3.94%.","Nonperforming assets rose to $59.7M (0.57% of assets) from $38.9M (0.36%).","Provision for credit losses $3.6M, up from $942K; allowance ratio 1.15% vs 1.09%.","Repurchased 1.4M shares in Q1; new $65M buyback program authorized through May 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-25-000030","json":"https://secwatch.observer/filing/0001473844-25-000030.json","markdown":"https://secwatch.observer/filing/0001473844-25-000030.md","text":"https://secwatch.observer/filing/0001473844-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000030/0001473844-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000030/stel-20250425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T05:48:32.286007+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"}