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PARENT COMPANY ONLY FINANCIAL STATEMENTS (Tables) | 12 Months Ended
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Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract] |
Schedule of Condensed Balance Sheet | STELLAR BANCORP, INC. (PARENT COMPANY ONLY) CONDENSED BALANCE SHEETS
| December 31,
| 2025 |  | 2024
| (Dollars in thousands)
ASSETS: |  |  |
Cash and due from banks | $ | 57,807 |  |  | $ | 61,334 |
Investment in subsidiary | 1,637,154 |  |  | 1,605,830 |
Other assets | 15,934 |  |  | 12,983 |
TOTAL ASSETS | $ | 1,710,895 |  |  | $ | 1,680,147 |
LIABILITIES AND SHAREHOLDERS’ EQUITY |  |  |
LIABILITIES: |  |  |
Subordinated debentures | $ | 40,226 |  |  | $ | 70,105 |
Accrued interest payable and other liabilities | 2,015 |  |  | 2,182 |
Total liabilities | 42,241 |  |  | 72,287 |
SHAREHOLDERS’ EQUITY: |  |  |
Common stock | 509 |  |  | 534 |
Capital surplus | 1,174,894 |  |  | 1,240,050 |
Retained earnings | 566,216 |  |  | 492,640 |
Accumulated other comprehensive loss | (72,965) |  |  | (125,364) |
Total shareholders’ equity | 1,668,654 |  |  | 1,607,860 |
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY | $ | 1,710,895 |  |  | $ | 1,680,147 |
Schedule of Condensed Income Statement | STELLAR BANCORP, INC. (PARENT COMPANY ONLY) CONDENSED STATEMENTS OF INCOME
| Years Ended December 31,
| 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
INCOME: |  |  |  |  |
Dividends from subsidiary | $ | 135,000 |  |  | $ | 72,500 |  |  | $ | 25,000 |
Other income | 38 |  |  | 34 |  |  | 34 |
Total income | 135,038 |  |  | 72,534 |  |  | 25,034 |
EXPENSE: |  |  |  |  |
Interest expense on borrowed funds | 4,936 |  |  | 4,438 |  |  | 3,175 |
Other expenses | 9,093 |  |  | 12,933 |  |  | 5,288 |
Total expense | 14,029 |  |  | 17,371 |  |  | 8,463 |
Income before income tax benefit and equity in undistributed income of subsidiaries | 121,009 |  |  | 55,163 |  |  | 16,571 |
Income tax benefit | 2,938 |  |  | 3,641 |  |  | 1,770 |
Income before equity in undistributed income of subsidiaries | 123,947 |  |  | 58,804 |  |  | 18,341 |
Equity in undistributed income of subsidiaries | (21,075) |  |  | 56,199 |  |  | 112,156 |
Net income | $ | 102,872 |  |  | $ | 115,003 |  |  | $ | 130,497 |
Schedule of Condensed Cash Flow Statement | STELLAR BANCORP, INC. (PARENT COMPANY ONLY) CONDENSED STATEMENTS OF CASH FLOWS
| Years Ended December 31,
| 2025 |  | 2024 |  | 2023
| (Dollars in thousands)
CASH FLOWS FROM OPERATING ACTIVITIES: |  |  |  |  |
Net income | $ | 102,872 |  |  | $ | 115,003 |  |  | $ | 130,497 |
Adjustments to reconcile net income to net cash used in operating activities: |  |  |  |  |
Equity in undistributed income of subsidiaries | 21,075 |  |  | (56,199) |  |  | (112,156) |
Net amortization of discount on subordinated debentures | 121 |  |  | 340 |  |  | 398 |
Stock-based compensation expense | 9,151 |  |  | 10,764 |  |  | 9,945 |
Increase in other assets | (2,951) |  |  | (3,693) |  |  | (1,721) |
(Decrease) increase in accrued interest payable and other liabilities | (167) |  |  | 373 |  |  | (202) |
Net cash provided by operating activities | 130,101 |  |  | 66,588 |  |  | 26,761 |
CASH FLOWS FROM INVESTING ACTIVITIES: |  |  |  |  |
Net cash provided by investing activities | — |  |  | — |  |  | — |
CASH FLOWS FROM FINANCING ACTIVITIES: |  |  |  |  |
Repurchase of common stock | (73,352) |  |  | (2,842) |  |  | — |
Repayment of subordinated debt | (30,000) |  |  | — |  |  | — |
Dividends paid to common shareholders | (29,296) |  |  | (28,308) |  |  | (27,698) |
Payments made from the issuance of restricted stock and stock option exercises | (980) |  |  | (498) |  |  | (76) |
Net cash used in financing activities | (133,628) |  |  | (31,648) |  |  | (27,774) |
NET CHANGE IN CASH AND CASH EQUIVALENTS | (3,527) |  |  | 34,940 |  |  | (1,013) |
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | 61,334 |  |  | 26,394 |  |  | 27,407 |
CASH AND CASH EQUIVALENTS, END OF PERIOD | $ | 57,807 |  |  | $ | 61,334 |  |  | $ | 26,394 |

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