Stellar Bancorp (STEL) came out with quarterly earnings of $0.52 per share, beating the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.55 per share a year ago.

Good morning, and welcome everyone to Stellar Bank, Q4 Earnings Release. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question ...