<SEC-DOCUMENT>0001193125-26-291538.txt : 20260701
<SEC-HEADER>0001193125-26-291538.hdr.sgml : 20260701
<ACCEPTANCE-DATETIME>20260701074027
ACCESSION NUMBER:		0001193125-26-291538
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260701
FILED AS OF DATE:		20260701
DATE AS OF CHANGE:		20260701

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Retzloff Steven F.
		CENTRAL INDEX KEY:			0001183121
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38280
		FILM NUMBER:		261142635

	MAIL ADDRESS:	
		STREET 1:		13955 FM 529
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77041

	FORMER NAME:	
		FORMER CONFORMED NAME:	STERLING BANCSHARES INC.
		DATE OF NAME CHANGE:	20050729

	FORMER NAME:	
		FORMER CONFORMED NAME:	RETZLOFF STEVEN F
		DATE OF NAME CHANGE:	20020827

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Stellar Bancorp, Inc.
		CENTRAL INDEX KEY:			0001473844
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				208339782
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		9 GREENWAY PLAZA, SUITE 110
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77046
		BUSINESS PHONE:		(713) 210-7600

	MAIL ADDRESS:	
		STREET 1:		9 GREENWAY PLAZA, SUITE 110
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77046

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Stellar Bancorp. Inc.
		DATE OF NAME CHANGE:	20221003

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CBTX, Inc.
		DATE OF NAME CHANGE:	20171011

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CBFH, Inc.
		DATE OF NAME CHANGE:	20091005
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>ownership.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0609</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2026-07-01</periodOfReport>

    <notSubjectToSection16>true</notSubjectToSection16>

    <issuer>
        <issuerCik>0001473844</issuerCik>
        <issuerName>Stellar Bancorp, Inc.</issuerName>
        <issuerTradingSymbol>STEL</issuerTradingSymbol>
        <issuerForeignTradingSymbol></issuerForeignTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001183121</rptOwnerCik>
            <rptOwnerName>Retzloff Steven F.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerNonUSAddressFlag>false</rptOwnerNonUSAddressFlag>
            <rptOwnerStreet1>9 GREENWAY PLAZA, SUITE 110</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>HOUSTON</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>77046</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>true</isDirector>
            <isOfficer>true</isOfficer>
            <isTenPercentOwner>false</isTenPercentOwner>
            <isOther>false</isOther>
            <officerTitle>Executive Chairman</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>false</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-07-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>D</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>136446</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F1"/>
                    <footnoteId id="F2"/>
                    <footnoteId id="F3"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-07-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>D</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>25531</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F4"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Retzloff Industries, Inc.</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-07-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>D</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>378240</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F4"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Retzloff Holdings, LTD.</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-07-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>D</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>12598</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F4"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By SF Retzloff Family Limited Partnership, LTD.</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Includes 89,251 shares of Company Common Stock (as defined below). On July 1, 2026 (the &quot;Effective Time&quot;), upon consummation of the transactions contemplated by the Agreement and Plan of Merger (the &quot;Merger Agreement&quot;), dated as of January 27, 2026, by and between Prosperity Bancshares, Inc., a Texas corporation (&quot;Prosperity&quot;) and Stellar Bancorp, Inc., a Texas corporation (the &quot;Company&quot;), and subject to the terms and conditions set forth in the Merger Agreement, each share of the Company's common stock, par value $0.01 per share, (&quot;Company Common Stock&quot;) outstanding immediately prior to the Effective Time was cancelled and converted into the right to receive (i) 0.3803 shares of common stock (the &quot;Exchange Ratio&quot;), par value $1.00 per share, of Prosperity (&quot;Prosperity Common Stock&quot;) and (ii) an amount in cash equal to $11.36 (the &quot;Per Share Cash Merger Consideration&quot;) ((i) and (ii) together, the &quot;Per Share Merger Consideration&quot;).</footnote>
        <footnote id="F2">Includes 12,672 shares of restricted stock.  At the Effective Time, each outstanding restricted stock award in respect of Company Common Stock subject solely to service-based vesting, repurchase or other lapse restriction vested and was converted into the right to receive (without interest) the Per Share Merger Consideration.</footnote>
        <footnote id="F3">Includes (a) 12,075 performance unit awards (as defined below) granted in 2024, (b) 14,401 performance unit awards granted in 2025, and (c) 8,047 performance unit awards granted in 2026.  At the Effective Time, each outstanding restricted unit award in respect of Company Common Stock subject to performance-based vesting (each, a &quot;performance unit award&quot;) fully vested and was converted into the right to receive (without interest) a cash payment equal to the product of (a) the Per Share Merger Consideration Value multiplied by (b) the number of shares of Company Common Stock subject to such performance unit award, with applicable performance-based vesting conditions deemed achieved at 100% of the target level (or, in the case of the performance unit awards granted in 2024, 200% of the target level).</footnote>
        <footnote id="F4">At the Effective Time, upon consummation of the transactions contemplated by the Merger Agreement, and subject to the terms and conditions set forth in the Merger Agreement, each share of the Company Common Stock outstanding immediately prior to the Effective Time was cancelled and converted into the right to receive the Per Share Merger Consideration.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Justin M. Long, attorney-in-fact</signatureName>
        <signatureDate>2026-07-01</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
