Stellar Bancorp (STEL) 10-K2024 FY Annual report

Filed: 3 Mar 25, 4:09pm

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New words: abroad, agenda, AI, Beckworth, Biden, collaboration, Congressional, coursework, dental, deployment, distinguished, Duplantier, explanation, feel, frontline, grew, innovation, Insider, internationally, internship, Interstellar, journey, maker, mental, ODP, pipeline, pulse, recasting, Republican, reshaped, retaliatory, Senate, shutdown, SLII, slim, survey, tenure, Tombar, Trump, tuition, Tymothi, unclear, visibility, Voice

Removed: began, Composite, elimination, facility, floor, forward, inclusive, isolate, issuable, Journal, lesser, LIBOR, nasdaq, participant, Paycheck, PPP, prime, restructured, restructuring, shared, terminated, unique, variability, VB, vintage

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Exhibit 23.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in the Registration Statements on Forms S-3 (No. 333-272246) and Form S-8 (Nos 333-268073, 333-262322 and 333-221589) of Stellar Bancorp, Inc. of our report dated March 3, 2025 to the consolidated financial statements and effectiveness of internal control over financial reporting, appearing in this Annual Report on Form 10‑K.

/s/ Crowe LLP

Washington, D.C.

March 3, 2025