EX-21.1 8 stel-2025subsidiariesxexx2.htm EX-21.1
Exhibit 21.1
STELLAR BANCORP, INC. LIST OF SUBSIDIARIES
AS OF FEBRUARY 26, 2026

Direct Subsidiaries |  | Jurisdiction of Organization |  | Parent Entity
Stellar Bank |  | Texas |  | Stellar Bancorp, Inc.
Farmers & Merchants Capital Trust II |  | Delaware |  | Stellar Bancorp, Inc.
Farmers & Merchants Capital Trust III |  | Delaware |  | Stellar Bancorp, Inc.
Indirect Subsidiaries |  | Jurisdiction of Organization |  | Parent Entity
STEL Insurance Services, Inc. |  | Texas |  | Stellar Bank
American Prudential Capital, Inc. |  | Texas |  | Stellar Bank