REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2022

Regulatory Capital Requirements under Banking Regulations [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 at December 31, 2022 and 2021:

	Actual				Minimum Required for Capital Adequacy Purposes				Minimum Required Plus Capital Conservation Buffer				To Be Categorize d As Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
STELLAR BANCORP, INC.
(Consolidated)
As of December 31, 2022
Total Capital (to risk weighted assets)	$	1,092,618	12.39	%	$	705,765	8.00	%	$	926,317	10.50	%	N/A		N/A
Common Equity Tier 1 Capital (to risk weighted assets)	885,652		10.04	%	396,993		4.50	%	617,545		7.00	%	N/A		N/A
Tier 1 Capital (to risk weighted assets)	895,520		10.15	%	529,324		6.00	%	749,876		8.50	%	N/A		N/A
Tier 1 Capital (to average tangible assets)	895,520		8.55	%	418,720		4.00	%	418,720		4.00	%	N/A		N/A
As of December 31, 2021(1)
Total Capital (to risk weighted assets)	$	722,010	16.08	%	$	359,214	8.00	%	$	471,468	10.50	%	N/A		N/A
Common Equity Tier 1 Capital (to risk weighted assets)	559,926		12.47	%	202,058		4.50	%	314,312		7.00	%	N/A		N/A
Tier 1 Capital (to risk weighted assets)	569,678		12.69	%	269,410		6.00	%	381,665		8.50	%	N/A		N/A
Tier 1 Capital (to average tangible assets)	569,678		8.53	%	267,286		4.00	%	267,286		4.00	%	N/A		N/A
STELLAR BANK(1)
As of December 31, 2022
Total Capital (to risk weighted assets)	$	1,059,313	12.02	%	$	705,120	8.00	%	$	925,470	10.50	%	$	881,400	10.00	%
Common Equity Tier 1 Capital (to risk weighted assets)	921,714		10.46	%	396,630		4.50	%	616,980		7.00	%	572,910		6.50	%
Tier 1 Capital (to risk weighted assets)	921,714		10.46	%	528,840		6.00	%	749,190		8.50	%	705,120		8.00	%
Tier 1 Capital (to average tangible assets)	921,714		8.81	%	418,388		4.00	%	418,388		4.00	%	522,984		5.00	%
As of December 31, 2021(1)
Total Capital (to risk weighted assets)	$	659,596	14.71	%	$	358,793	8.00	%	$	470,916	10.50	%	$	448,491	10.00	%
Common Equity Tier 1 Capital (to risk weighted assets)	566,483		12.63	%	201,821		4.50	%	313,944		7.00	%	291,519		6.50	%
Tier 1 Capital (to risk weighted assets)	566,483		12.63	%	269,095		6.00	%	381,217		8.50	%	358,793		8.00	%
Tier 1 Capital (to average tangible assets)	566,483		8.49	%	266,944		4.00	%	266,944		4.00	%	333,680		5.00	%

(1)The capital ratios above reflect Allegiance historical information for the first nine months of 2022, while the fourth quarter of 2022, after the Merger on October 1, 2022, sets forth information for Stellar. The historical ratios presented for the year ended December 31, 2021 do not include the historical information for CBTX. Immediately following the Merger, CommunityBank merged with and into Allegiance Bank, with Allegiance Bank as the surviving bank. On February 18, 2023, Allegiance Bank changed its name to Stellar Bank in connection with the operational conversion.