{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-027258","form_type":"8-K","ticker":"STEL","cik":"0001473844","company_name":"Stellar Bancorp, Inc.","filed_at":"2022-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.773386+00:00","generated_at":"2026-06-22T22:33:45.193425+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Stellar Bancorp (pre-merger CBTX) Q3 net income $12.7M, EPS $0.52; Allegiance $14.3M, $0.71","bullets":["CBTX standalone: net income $12.7M, diluted EPS $0.52 vs $0.59 a year ago.","Allegiance standalone: net income $14.3M, diluted EPS $0.71 vs $0.93 a year ago.","CBTX loan growth 12.3% ann. to $3.13B; Allegiance loans +22.4% ann. to $4.59B.","Merger of CBTX and Allegiance effective Oct 1, 2022; combined company renamed Stellar Bancorp.","CBTX tax-equivalent NIM up 76 bps to 4.25%; Allegiance NIM up 32 bps to 3.85%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-027258","json":"https://secwatch.observer/filing/0001628280-22-027258.json","markdown":"https://secwatch.observer/filing/0001628280-22-027258.md","text":"https://secwatch.observer/filing/0001628280-22-027258.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1473844/000162828022027258/0001628280-22-027258-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1473844/000162828022027258/stel-20221028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T22:33:45.193425+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":"45b2954a7da2041a5fa98013f3083076dece0009","claim":"Stellar Bancorp, Inc. reported the third quarter 2022 results: net income $12.7 million, EPS $0.52 per diluted share.","evidence_excerpt":"Stellar Bancorp, Inc. (Stellar), formerly known as CBTX, reported net income of $12.7 million and diluted earnings per share of $0.52 for the third quarter 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1473844/000162828022027258/0001628280-22-027258-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter 2022"},{"label":"Net income","value":"$12.7 million"},{"label":"EPS","value":"$0.52 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"}