---
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"
generated_at: "2026-05-17T02:19:35.048354+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Stellar Bancorp Q3 net income $25.7M ($0.50 EPS); NIM expands to 4.20%, deposits grow $144M

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1473844/000147384425000062/0001473844-25-000062-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1473844/000147384425000062/stel-20251024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001473844-25-000062
- JSON: https://secwatch.observer/filing/0001473844-25-000062.json
- Plain text: https://secwatch.observer/filing/0001473844-25-000062.txt

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