{"schema_version":"secwatch.filing_event.v1","accession":"0001473844-26-000023","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.331929+00:00","generated_at":"2026-05-15T02:50:28.918213+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Stellar Bancorp Q1 net income $27.0M, EPS $0.53; loan growth 16% annualized; merger with Prosperity on track","bullets":["Net income $27.0M ($0.53 diluted EPS) vs Q4 $26.1M ($0.51); adjusted EPS $0.58 excluding merger costs.","Loans held for investment rose $287.4M (3.94% linked-quarter, 16.0% annualized) to $7.59B.","Net interest margin (tax-equivalent) expanded to 4.24% from 4.21%; net interest income up 2.5% to $105.9M.","Merger with Prosperity: all regulatory approvals received; shareholder vote May 27, 2026; closing expected July 1.","Nonperforming assets increased to $70.1M (0.64% of total assets) from $60.0M; provision for credit losses $2.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0001473844-26-000023","json":"https://secwatch.observer/filing/0001473844-26-000023.json","markdown":"https://secwatch.observer/filing/0001473844-26-000023.md","text":"https://secwatch.observer/filing/0001473844-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000147384426000023/0001473844-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000147384426000023/stel-20260428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:50:28.918213+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":[{"claim_id":"664e670239305a84723cc9afed999ffd8ca4a7cf","claim":"Stellar Bancorp, Inc. reported first quarter of 2026 results: net income $27.0 million, EPS $0.53 per diluted share.","evidence_excerpt":"STELLAR BANCORP, INC. REPORTS FIRST QUARTER 2026 RESULTS HOUSTON, April 28, 2026 - Stellar Bancorp, Inc. (the “Company” or “Stellar”) (NYSE: STEL) today reported net income of $27.0 million, or diluted earnings per share of $0.53, for the first quarter of 2026, compared to net income of $26.1 million, or diluted earnings per share of $0.51, for the fourth quarter of","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000147384426000023/0001473844-26-000023-index.htm","confidence":0.8,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2026"},{"label":"Net income","value":"$27.0 million"},{"label":"EPS","value":"$0.53 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}