{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-25-000047","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.059816+00:00","generated_at":"2026-05-18T00:57:56.536790+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Stellar Bancorp Q2 net income $26.4M ($0.51 EPS); net interest margin 4.18%, nonperforming assets down","bullets":["Net income $26.4M ($0.51 diluted EPS) vs Q1 $24.7M ($0.46); annualized ROAA 1.01%, ROTCE 12.16%.","Net interest margin (tax-equivalent) 4.18%; NII $98.3M, down 0.9% QoQ with $5.3M purchase accounting accretion.","Total deposits up $110.9M QoQ to $8.67B; loans up $4.2M to $7.29B; core deposit growth funded asset increase.","Nonperforming assets $58.2M (0.55% of assets) vs $59.7M (0.57%); net charge-offs $206K or 0.01% annualized.","Repurchased 791K shares at weighted avg $26.08; book value per share $31.20, tangible book $19.94."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-25-000047","json":"https://secwatch.observer/filing/0001473844-25-000047.json","markdown":"https://secwatch.observer/filing/0001473844-25-000047.md","text":"https://secwatch.observer/filing/0001473844-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000047/0001473844-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000047/stel-20250725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:57:56.536790+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"}