Financial Data and Key Metrics Changes - The company ended Q4 2022 with $10.9 billion in assets, reflecting the impact of the merger and purchase accounting adjustments [16] - Net income for the quarter was $2.1 million, translating to $0.04 in EPS, significantly impacted by merger-related and nonrecurring items [23] - The net interest margin (NIM) was reported at 4.71%, with an adjusted NIM of 4.38% after excluding purchase accounting accretion [24] Business Line Data and Key Metrics Changes - Loans increased by approximately $200 million over the quarter, ending at $7.75 billion [20] - Deposits decreased by $116.9 million, with a notable decline in interest-bearing deposits [21] - The cost of interest-bearing deposits has risen due to competitive market conditions [22] Market Data and Key Metrics Changes - The economic backdrop in Houston remains strong, with job growth expected to be around 150,000 for the year [39] - The company anticipates loan growth in 2023 to be in the low to mid-single digits, reflecting a cautious approach to lending [35] Company Strategy and Development Direction - The company is focused on solidifying the merger and enhancing its operational efficiency while navigating a challenging economic environment [6][12] - Management emphasized the importance of maintaining liquidity, capital, and credit quality as strategic priorities [8][12] - The merger is seen as a significant opportunity to enhance shareholder value and operational capabilities [11][13] Management's Comments on Operating Environment and Future Outlook - Management expressed caution regarding the economic environment and the Federal Reserve's actions to control inflation [12] - The company is optimistic about its long-term prospects, citing a robust economic backdrop and a strong franchise position [13] - There is a focus on protecting net interest income and margin while being prepared for potential economic challenges [81][95] Other Important Information - The company recognized $11.5 million in merger-related expenses during the quarter, impacting overall expenses [29] - The allowance for credit losses ended the year at $93.2 million, or 1.2% of loans, reflecting a conservative approach to credit risk [27] Q&A Session Summary Question: What is the outlook for loan growth given the economic backdrop? - Management indicated that while the economic environment is strong, loan growth is expected to be cautious, with a focus on maintaining credit quality [39][41] Question: Are there any updates on the timing of synergies from the merger? - Management confirmed that synergy targets remain unchanged and are on track to be realized by mid-year [43] Question: How is the company managing its interest margin in the current environment? - The company is focused on protecting its net interest margin while being optimistic about potential upside from loan repricing opportunities [80][81] Question: What are the expectations for capital actions moving forward? - Management emphasized the importance of capital build and flexibility, with no immediate plans for buybacks but valuing it as a future option [87][75]

Forward-Looking Statements and Non-GAAP Financial Measures Certain statements in this presentation which are not historical in nature are intended to be, and are hereby identified as, "forward-looking statements" for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors th ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____. Commission File Number: 001-38280 Stellar Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisd ...

Stellar Bancorp, Inc. (NYSE:STEL) Q3 2022 Earnings Conference Call October 28, 2022 9:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer of Stellar Bank Robert Franklin - Chief Executive Officer Steve Retzloff - Executive Chairman Ray Vitulli - President of the Company and CEO of Stellar Bank Paul Egge - Senior Executive Vice President and CFO Joe West - Senior Executive Vice President and Chief Executive Credit Officer of Stellar Bank Conference Call Participants David Feaster ...

Third Quarter 2022 Earnings Presentation Forward-Looking Statements and Non-GAAP Financial Measures Certain statements in this press release which are not historical in nature are intended to be, and are hereby identified as, "forward-looking statements" for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements include, but are not limited to, statements about the benefits of the mer ...

cshares, Inc. Fixed Income Investor Presentation Fixed Income Investor Presentation [Month] [Day], 2019 Second Quarter 2022 Earnings Presentation September 2019 Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements Certain statements in this press release which are not historical in nature are intended to be, and are hereby identified as, "forward-looking statements" for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933, as amended, and Section ...

Allegiance Bancshares, Inc. (ABTX) Q2 2022 Earnings Conference Call July 29, 2022 10:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer Steve Retzloff - Chief Executive Officer Ray Vitulli - President and Chief Executive Officer, Allegiance Bank Paul Egge - Executive Vice President and Chief Financial Officer, Allegiance Bank Shanna Kuzdzal - Executive Vice President and General Counsel Conference Call Participants David Feaster - Raymond James Brad Milsaps - Piper Sandler Brady Gaile ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____. Commission File Number: 001-38280 CBTX, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S ...

Allegiance Bancshares, Inc. (ABTX) Q1 2022 Results Conference Call April 29, 2022 10:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer Steven Retzloff - Chief Executive Officer Ramon Vitulli - President and CEO of Allegiance Bank Paul Egge - EVP and Chief Financial Officer Conference Call Participants Brad Milsaps - Piper Sandler Matt Olney - Stephens Operator Good day, and thank you for standing by. Welcome to the Q1 2022 Allegiance Bancshares, Inc. Earnings Conference Call. [Operat ...

V cshares, Inc. Fixed Income Investor Presentation Fixed Income Investor Presentation [Month] [Day], 2019 First Quarter 2022 Earnings Presentation September 2019 Forward-Looking Statements and Non-GAAP Financial Measures | --- | --- ...