Stellar Bancorp Inc (NYSE: STEL) is a Texas-based bank holding company that operates a commercial banking business. It earns revenue primarily through net interest income, the spread between interest earned on loans and investments and interest paid on deposits, supplemented by noninterest income from banking fees and services. The company is listed on the NYSE and incorporated in Texas, as disclosed in its 10-K filed February 26, 2026. Beyond its Texas domicile and NYSE listing, the available filing excerpts do not provide sufficient detail to characterize segment revenue breakdown, branch count, total assets, customer concentration, competitive positioning, leadership, or founding history. Those specifics are not supported by the excerpts provided and are therefore omitted.

Revenue model

Net interest income from loans and deposits, supplemented by noninterest fee income from banking services. Specific revenue figures and segment breakdowns are not supported by the available filing excerpts.

Products and services

Commercial banking products and services. Specific product lines, loan categories, or deposit products are not detailed in the available filing excerpts.

Customers and end markets

Not supported by the available filing excerpts.

Value-chain role

Bank holding company and commercial banking operator.

Geographic exposure

Texas, based on state of incorporation and exchange registration disclosure in the 10-K filed February 26, 2026. Additional geographic detail is not supported by the available filing excerpts.

Source: SEC 10-K, filed 2026-02-26

Industry: National Commercial Banks Peers: Byline Bancorp Inc Community Trust Bancorp Inc Farmers & Merchants Bancorp Great Southern Bancorp Inc Horizon Bancorp Inc Metropolitan Bank Holding Corp Peoples Bancorp Inc PNC Financial Services Group Inc Washington Trust Bancorp Inc