{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-25-000062","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2025-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.479117+00:00","generated_at":"2026-05-17T02:19:35.048354+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 Q3 net income $25.7M ($0.50 EPS); NIM expands to 4.20%, deposits grow $144M","bullets":["Net income $25.7M, diluted EPS $0.50 vs $26.4M ($0.51) in Q2 2025.","Net interest margin (tax-equivalent) 4.20%, up 2 bps QoQ; excluding PAA, NIM 4.00%.","Deposits increased $143.8M to $8.82B; loans decreased $119.5M to $7.17B.","On Oct 1, 2025, redeemed $30M of subordinated debt (half of outstanding $60M).","Noninterest expense rose to $73.1M (up $3.1M); efficiency ratio 63.69% vs 61.87%."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-25-000062","json":"https://secwatch.observer/filing/0001473844-25-000062.json","markdown":"https://secwatch.observer/filing/0001473844-25-000062.md","text":"https://secwatch.observer/filing/0001473844-25-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000062/0001473844-25-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384425000062/stel-20251024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:19:35.048354+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"}