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PARENT COMPANY ONLY FINANCIAL STATEMENTS (Tables)
 12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
Schedule of Condensed Balance Sheet
STELLAR BANCORP, INC.
(PARENT COMPANY ONLY)
CONDENSED BALANCE SHEETS
December 31,
20252024
(Dollars in thousands)
ASSETS:
Cash and due from banks$57,807 $61,334 
Investment in subsidiary1,637,154 1,605,830 
Other assets15,934 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 liabilities2,015 2,182 
Total liabilities42,241 72,287 
SHAREHOLDERS’ EQUITY:
Common stock509 534 
Capital surplus1,174,894 1,240,050 
Retained earnings566,216 492,640 
Accumulated other comprehensive loss(72,965)(125,364)
Total shareholders’ equity1,668,654 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,
202520242023
(Dollars in thousands)
INCOME:
Dividends from subsidiary$135,000 $72,500 $25,000 
Other income38 34 34 
Total income135,038 72,534 25,034 
EXPENSE:
Interest expense on borrowed funds4,936 4,438 3,175 
Other expenses9,093 12,933 5,288 
Total expense14,029 17,371 8,463 
Income before income tax benefit and equity in undistributed income of subsidiaries121,009 55,163 16,571 
Income tax benefit2,938 3,641 1,770 
Income before equity in undistributed income of subsidiaries123,947 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,
202520242023
(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 subsidiaries21,075 (56,199)(112,156)
Net amortization of discount on subordinated debentures121 340 398 
Stock-based compensation expense9,151 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 activities130,101 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 PERIOD61,334 26,394 27,407 
CASH AND CASH EQUIVALENTS, END OF PERIOD$57,807 $61,334 $26,394