REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

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	%