---
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"
generated_at: "2026-06-22T22:33:45.193425+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Stellar Bancorp (pre-merger CBTX) Q3 net income $12.7M, EPS $0.52; Allegiance $14.3M, $0.71

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-027258
- JSON: https://secwatch.observer/filing/0001628280-22-027258.json
- Plain text: https://secwatch.observer/filing/0001628280-22-027258.txt

## Key facts
- Earnings Releases
  Stellar Bancorp, Inc. reported the third quarter 2022 results: net income $12.7 million, EPS $0.52 per diluted share.
  - Period: the third quarter 2022
  - Net income: $12.7 million
  - EPS: $0.52 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1473844/000162828022027258/0001628280-22-027258-index.htm

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