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This document is an annual report detailing the financial performance and condition of Stellar Bancorp, Inc. for the fiscal year ended December 31, 2024. It includes information on the company\'s
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How to fill out form 10-k

01
Download the Form 10-K template from the SEC's EDGAR database.
02
Fill in the company information, including name, address, and fiscal year end.
03
Provide a detailed description of the business and its operations.
04
Include risk factors that may affect the company.
05
Present the audited financial statements, including balance sheet, income statement, and cash flow statement.
06
Discuss management's discussion and analysis of financial condition and results of operations.
07
Provide information about executive compensation and governance.
08
Review all disclosures for accuracy and completeness before submission.
09
Submit the completed Form 10-K electronically through the SEC's EDGAR system.

Who needs form 10-k?

01
Publicly traded companies in the United States are required to file Form 10-K annually.
02
Investors and analysts use Form 10-K to assess a company's financial health and performance.
03
Regulatory agencies and stakeholders require it for compliance and monitoring purposes.
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Form 10-K is an annual report required by the U.S. Securities and Exchange Commission (SEC) that provides a comprehensive overview of a company's financial performance.
Publicly traded companies in the United States that are registered with the SEC are required to file Form 10-K.
Form 10-K is filled out by gathering financial data, management discussions, audited financial statements, and other required disclosures, and then submitting it in the specified format to the SEC.
The purpose of Form 10-K is to provide shareholders and the SEC with detailed information about a company's financial condition, operations, risks, and management practices.
Form 10-K must report information such as the company's business summary, financial statements, management discussion and analysis, risk factors, and executive compensation.
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