Stellar Bancorp : 2023 Proxy Card

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Your vote matters - here's how to vote!

You may vote online or by phone instead of mailing this card.

Votes submitted electronically must be received by 1:00 a.m., Central Time, on May 25, 2023.

Online

GoIf noto wwwelectronic.envisionreportsvoting, .com/STEL

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located in the shaded bar below.

Phone

Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada

						Save paper, time and money!
Using a black inkpen, mark your votes with an X as shown in this example.				Sign up for electronic delivery at
			www.envisionreports.com/STEL
Please do not write outside the designated areas.
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2023 Annual Meeting Proxy Card
	q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q	+
A	Proposals - The Board of Directorsi	recommendaavotevoteFORFORalallthethenominenomineess listed,listed FORand ProposalsFORProposalX - X2 and for4, andevery1-YearXYEARSfor Proposalon Proposal3. X.
1. To elect four (4) of Class I directors to serve on the board of directors of the Company until the Company's 2026 annual meeting of shareholders, and until their respective
successors are duly elected and qualified or until their earlier resignation or removal.
	For Withhold	For Withhold	For Withhold

01 - John Beckworth

02 - Fred S. Robertson

03 - Joseph B. Swinbank

04 - William E. Wilson, Jr.

2. To approve, on an advisory, non-binding basis, the compensation paid to our named executive officers as disclosed in the accompanying proxy statement ("Say-On-Pay").

4. To ratify the appointment of Crowe LLP as the independent registered public accounting firm of the Company for the year ending December 31, 2023.

For

Against Abstain

1 Year 2 Years 3 Years Abstain

3. To approve, on an advisory, non-binding basis, the frequency of future advisory votes on the compensation of our named executive officers.

5. To transaction such other business as may properly come before the meeting or any adjournment thereof.

1. Authorized Signatures - This section must be completed for your vote to count. Please date and sign below.

Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate officer, trustee, guardian, or custodian, please give full title.

Date (mm/dd/yyyy) - Please print date below.

Signature 1 - Please keep signature within the box.

Signature 2 - Please keep signature within the box.

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2023 Annual Meeting of Stellar Bancorp, Inc. Shareholders

May 25, 2023 at 10:00 a.m. CT

The Houstonian Hotel

111 North Post Oak Lane

Houston, Texas 77024

Important notice regarding the Internet availability of proxy materials for the Annual Meeting of Shareholders.

The materials are available at: www.envisionreports.com/STEL

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Help the environment by consenting to receive electronic

delivery, sign up at www.envisionreports.com/STEL

	q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q	+
Stellar Bancorp, Inc.

Notice of 2023 Annual Meeting of Shareholders to be held on May 25, 2023

Proxy Solicited on behalf of the Stellar Bancorp, Inc. Board of Directors

The undersigned hereby constitutes and appoints Robert R. Franklin, Jr. and Steven R. Retzloff, jointly and severally with the full power of substitution and revocation, as proxies to represent and to vote for and on behalf of the undersigned, with all the powers that the undersigned would possess if personally present, all of the shares of common stock, par value $0.01 per share, of Stellar Bancorp, Inc. (the "Company"), that the undersigned would be entitled to vote if then personally present at the Annual Meeting of Shareholders of the Company (the "Annual Meeting") to be held at The Houstonian Hotel, 111 North Post Oak Lane, Houston, Texas 77024 on Thursday, May 25, 2023, at 10:00 a.m. Central Time, and at any adjournments or postponements thereof, on the matters and proposals set forth in the Notice of the Annual Meeting of Shareholders dated April 24, 2023, and which may properly come before the Annual Meeting in accordance with directions contained in this Proxy Card. The undersigned hereby revokes all appointments of proxy previously given to vote at the Annual Meeting.

This proxy, when properly executed, will be voted in the manner directed herein by the undersigned Shareholder. If no direction is made, this proxy will be voted "FOR" the election of all of the Class I director nominees named in Proposal 1, "FOR" approval of Proposal 2, for "1-Year" for Proposal 3, and "FOR" approval of Proposal 4. In their discretion, the Proxies are authorized to vote upon such other business as may properly come before the meeting.

(Items to be voted appear on reverse side)

1. Non-VotingItems

Change of Address - Please print new address below.

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