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REGULATORY CAPITAL MATTERS | 12 Months Ended
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Dec. 31, 2025
Regulatory Capital Matters [Abstract] |
REGULATORY CAPITAL MATTERS | REGULATORY CAPITAL MATTERS The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Capital adequacy guidelines, and for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings and other factors. The Company and the Bank’s Common Equity Tier 1 capital includes common stock and related paid-in capital and retained earnings. In connection with the adoption of the Basel III Capital Rules, we elected to opt-out of the requirement to include accumulated other comprehensive income in Common Equity Tier 1. Failure to meet minimum capital requirements can initiate actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Management believes as of December 31, 2025 and 2024, the Company and the Bank met all capital adequacy requirements to which they were then subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used to represent overall financial condition. If less than well capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited as is asset growth and expansion, and capital restoration plans are required. At year-end 2025 and 2024, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The Bank’s capital ratios as of December 31, 2025 exceed the minimum levels necessary to be considered “well-capitalized” under the prompt corrective action regulatory framework. The following is a summary of the Company’s and the Bank’s actual and required capital ratios as of December 31, 2025 and 2024:
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | Minimum Required Plus Capital Conservation Buffer |  | To Be Categorized as Well Capitalized Under Prompt Corrective Action Provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
| (Dollars in thousands)
STELLAR BANCORP, INC. (Consolidated) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 1,301,075 |  |  | 15.73 | % |  | $ | 661,851 |  |  | 8.00 | % |  | $ | 868,679 |  |  | 10.50 | % |  | N/A |  | N/A
Common Equity Tier 1 Capital (to risk-weighted assets) | 1,173,283 |  |  | 14.18 | % |  | 372,291 |  |  | 4.50 | % |  | 579,119 |  |  | 7.00 | % |  | N/A |  | N/A
Tier 1 Capital (to risk-weighted assets) | 1,183,509 |  |  | 14.31 | % |  | 496,388 |  |  | 6.00 | % |  | 703,216 |  |  | 8.50 | % |  | N/A |  | N/A
Tier 1 Leverage (to average tangible assets) | 1,183,509 |  |  | 11.52 | % |  | 410,785 |  |  | 4.00 | % |  | 410,785 |  |  | 4.00 | % |  | N/A |  | N/A
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 1,294,263 |  |  | 16.00 | % |  | $ | 647,103 |  |  | 8.00 | % |  | $ | 849,323 |  |  | 10.50 | % |  | N/A |  | N/A
Common Equity Tier 1 Capital (to risk-weighted assets) | 1,143,360 |  |  | 14.14 | % |  | 363,996 |  |  | 4.50 | % |  | 566,215 |  |  | 7.00 | % |  | N/A |  | N/A
Tier 1 Capital (to risk-weighted assets) | 1,153,258 |  |  | 14.26 | % |  | 485,328 |  |  | 6.00 | % |  | 687,547 |  |  | 8.50 | % |  | N/A |  | N/A
Tier 1 Leverage (to average tangible assets) | 1,153,258 |  |  | 11.31 | % |  | 407,750 |  |  | 4.00 | % |  | 407,750 |  |  | 4.00 | % |  | N/A |  | N/A
STELLAR BANK |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 1,241,007 |  |  | 15.03 | % |  | $ | 660,452 |  |  | 8.00 | % |  | $ | 866,844 |  |  | 10.50 | % |  | $ | 825,566 |  |  | 10.00 | %
Common Equity Tier 1 Capital (to risk-weighted assets) | 1,141,442 |  |  | 13.83 | % |  | 371,504 |  |  | 4.50 | % |  | 577,896 |  |  | 7.00 | % |  | 536,618 |  |  | 6.50 | %
Tier 1 Capital (to risk-weighted assets) | 1,141,442 |  |  | 13.83 | % |  | 495,339 |  |  | 6.00 | % |  | 701,731 |  |  | 8.50 | % |  | 660,452 |  |  | 8.00 | %
Tier 1 Leverage (to average tangible assets) | 1,141,442 |  |  | 11.14 | % |  | 410,038 |  |  | 4.00 | % |  | 410,038 |  |  | 4.00 | % |  | 512,548 |  |  | 5.00 | %
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk-weighted assets) | $ | 1,233,994 |  |  | 15.28 | % |  | $ | 646,030 |  |  | 8.00 | % |  | $ | 847,915 |  |  | 10.50 | % |  | $ | 807,538 |  |  | 10.00 | %
Common Equity Tier 1 Capital (to risk-weighted assets) | 1,140,989 |  |  | 14.13 | % |  | 363,392 |  |  | 4.50 | % |  | 565,277 |  |  | 7.00 | % |  | 524,900 |  |  | 6.50 | %
Tier 1 Capital (to risk-weighted assets) | 1,140,989 |  |  | 14.13 | % |  | 484,523 |  |  | 6.00 | % |  | 686,407 |  |  | 8.50 | % |  | 646,030 |  |  | 8.00 | %
Tier 1 Leverage (to average tangible assets) | 1,140,989 |  |  | 11.21 | % |  | 407,219 |  |  | 4.00 | % |  | 407,219 |  |  | 4.00 | % |  | 509,024 |  |  | 5.00 | %
Dividend Restrictions The Company’s principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. In addition, the Company’s credit agreement with another financial institution also limits its ability to pay dividends. Under applicable banking regulations, the amount of dividends that may be paid by the Bank in any calendar year is limited to the current year’s net profits combined with the retained net profits of the preceding two years, subject to the capital requirements described above.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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