REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2023

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 March 31, 2023 and December 31, 2022:

	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)
As of March 31, 2023
Total Capital (to risk weighted     assets)	$	1,133,335	12.72	%	$	712,872	8.00	%	$	935,644	10.50	%	N/A		N/A
Common Equity Tier 1 Capital (to     risk weighted assets)	925,572		10.39	%	400,990		4.50	%	623,763		7.00	%	N/A		N/A
Tier 1 Capital (to risk weighted     assets)	935,470		10.50	%	534,654		6.00	%	757,426		8.50	%	N/A		N/A
Tier 1 Capital (to average tangible     assets)	935,470		9.01	%	415,184		4.00	%	415,184		4.00	%	N/A		N/A
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
STELLAR BANK
As of March 31, 2023
Total Capital (to risk weighted     assets)	$	1,105,514	12.42	%	$	712,191	8.00	%	$	934,750	10.50	%	$	890,238	10.00	%
Common Equity Tier 1 Capital (to     risk weighted assets)	967,649		10.87	%	400,607		4.50	%	623,167		7.00	%	578,655		6.50	%
Tier 1 Capital (to risk weighted     assets)	967,649		10.87	%	534,143		6.00	%	756,702		8.50	%	712,191		8.00	%
Tier 1 Capital (to average tangible     assets)	967,649		9.35	%	413,922		4.00	%	413,922		4.00	%	517,402		5.00	%
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	%