Robert R. Franklin Jr. - 01 Oct 2025 Form 4 Insider Report for Stellar Bancorp, Inc. (STEL)

Role: Chief Executive Officer, Director
Signature: /s/ Justin M. Long, attorney-in-fact
Issuer symbol: STEL
Transactions as of: 01 Oct 2025
Net transactions value: -$52,200
Form type: 4
Filing time: 03 Oct 2025, 16:03:53 UTC
Previous filing: 04 Mar 2025
Next filing: 05 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Franklin Robert R Jr	Chief Executive Officer, Director	9 GREENWAY PLAZA, SUITE 110, HOUSTON	/s/ Justin M. Long, attorney-in-fact	03 Oct 2025	0001720348

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	STEL	Common Stock	Disposed to Issuer	$0	-10,961	-2.7%	$0.000000	400,642	01 Oct 2025	Direct	F1
transaction	STEL	Common Stock	Tax liability	$52,200	-1,740	-0.43%	$30.00	398,902	01 Oct 2025	Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Represents forfeiture of performance shares that were eligible to vest based on certain financial performance objectives.
F2	Represents shares withheld to satisfy tax liability for 10/01/2025 vesting of restricted shares of Common Stock previously reported.