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REGULATORY CAPITAL MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2025
Regulatory Capital Matters [Abstract] |
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations | 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 | %

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- Definition Regulatory Capital Matters + References No definition available. + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(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 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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