Stellar Bancorp, Inc. — Director's Dealing 2025

Oct 3, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Stellar Bancorp, Inc. (STEL)
CIK: 0001473844
Period of Report: 2025-10-01

Reporting Person: Retzloff Steven F. (Director, Executive Chairman)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-10-01	Common Stock	D	5784	—	Disposed	127185	Direct
2025-10-01	Common Stock	F	982	$30	Disposed	126203	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	25531	Indirect
Common Stock	378240	Indirect
Common Stock	12598	Indirect

Footnotes

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.