Stellar Bancorp, Inc.

Stellar Bancorp, Inc. is a U.S. bank holding company whose wholly owned subsidiary, Stellar Bank, provides commercial banking services in Texas. Its core business centers on deposit gathering, commercial and business lending, and a range of treasury and cash management services delivered through branch banking and digital channels.

1 637,6 %

−2,3 %

— Stellar Bancorp, Inc.
%
Deposit products35% Checking, commercial, money market, savings and time deposits used to fund lending.
Commercial lending45% Loans and credit facilities for small- to medium-sized businesses and professionals.
Treasury and cash management10% Payment, liquidity and account services for business customers.
Consumer and relationship banking services10% Retail account access, debit cards and branch-based banking services.

The bank serves small- to medium-sized businesses as its core customer base, especially companies that value local...

  • Small- to medium-sized businessesprimary

    Primary buyers of commercial deposits, working capital loans and treasury services because they value local service and quick credit decisions.

  • Professionalssecondary

    Use deposit accounts and lending products for personal and practice-related banking needs.

  • Individual customerssecondary

    Use checking, savings, debit cards and digital banking for everyday financial needs.

  • Commercial real estate and business borrowersprimary

    Borrow for property, expansion and operating needs within the bank’s Texas market.

Stellar Bancorp operates primarily in Texas, with a concentrated footprint in the Houston region, Beaumont and Dallas...

  • •Primary market is Texas, especially the Houston region
  • •Branches are concentrated in Houston, Beaumont and Dallas
  • •Local market conditions drive loan demand and deposit growth
  • •Exposure is tied to Texas business cycles and sector mix
  • •Community-banking model depends on dense local branch coverage

The company’s strategy is to grow its banking franchise through community banking, local relationship management and...

01
Deepen community banking relationshipsshort-term

Local service and fast decisions are central to attracting SMB deposits and loans.

02
Expand franchise through acquisitionsmedium-term

Acquisitions can add branches, customers and market density in Texas.

03
Maintain liquidity and funding flexibilityshort-term

Deposits fund most lending activity and support balance-sheet growth.

The business is exposed to credit risk, interest-rate sensitivity and concentration in Texas markets, where local...

high

Market concentration in Texas

A large share of lending and deposits comes from a limited geographic footprint.

Scope
Houston, Beaumont and Dallas markets
Materiality
high
high

Interest-rate and funding risk

Deposits fund loans, so changes in deposit pricing and asset yields affect spread income.

Materiality
high
high

Credit losses and borrower stress

Commercial lending depends on borrower performance and collateral values.

Materiality
high
high

Cybersecurity and third-party dependence

Core processing, website hosting and other services rely on external providers.

Materiality
medium
medium

Regulatory and compliance burden

Banks face extensive supervision, BSA/AML, consumer and privacy rules.

Materiality
high
medium

Goodwill impairment from acquisitions

Acquired franchises can lose value if performance or market conditions weaken.

Materiality
medium
Allowance for credit losses
Provision expense and reserve levels
Goodwill impairment
Potential noncash write-downs
Fair value of securities
OCI and valuation changes
Interest income recognition
Core earnings and margin trends

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: 29/04/2026