Stellar Bancorp(STEL) - 2023 Q4 - Earnings Call Presentation

Forward-Looking Statements and Non-GAAP Financial Measures All forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors that may cause the actual results, performance or achievements of Stellar Bancorp, Inc. ("Stellar") to differ materially from any results expressed or implied by such forward-looking statements. GAAP Reconciliation of Non-GAAP Financial Measures Stellar Bancorp, Inc. - Snapshot Strong core earnings power and capital posit ...