David Feaster, Jr.
Raymond James & Associates, Inc
Keefe, Bruyette & Woods, Inc.
Sandler O'Neill + Partners, LP.
Janney Montgomery Scott, LLC
Stellar Bancorp, Inc. is followed by the analysts listed above. Please note that any opinions, estimates or forecasts regarding Stellar Bancorp, Inc.'s performance made by these analysts are theirs alone and do not represent opinions, forecasts or predictions of Stellar Bancorp, Inc. or its management. Stellar Bancorp, Inc. does not by its reference above or distribution imply its endorsement of or concurrence with such information, conclusions or recommendations.