Exhibit 99.1 PRESS RELEASE STELLAR BANCORP, INC. REPORTS FOURTH QUARTER 2025 RESULTS HOUSTON, January 28, 2026 - Stellar Bancorp, Inc. (the "Company" or "Stellar") (NYSE: STEL) today reported net income of $26.1 million, or diluted earnings per share of$0.51, for the fourth quarter of 2025 and net income of $102.9 million, or diluted earnings per share of$1.99, for the full year 2025. Financial Highlights Year 2025 Results Net interest income for 2025 decreased $6.4 million, or 1.6$401.6 million fro ...