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Exhibit 24.1

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Robert R. Franklin, Jr., Paul P. Egge and Justin M. Long, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and re-substitution, for him or her and in his or her name, place and stead, and in any and all capacities, to sign the Annual Report on Form 10-K of Stellar Bancorp, Inc. for the fiscal year ended December 31, 2023, to sign any and all amendments thereto, and to file such Annual Report and amendments, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and thing requisite or necessary to be done in and about the premises, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents or either of them, or their or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

Signature

Positions

Date

/s/ Robert R. Franklin, Jr.

Chief Executive Officer (Principal Executive Officer); Director

February 22, 2024

Robert R. Franklin, Jr.

/s/ Paul P. Egge

Chief Financial Officer (Principal Financial and Principal Accounting Officer)

February 22, 2024

Paul P. Egge

/s/ John Beckworth

Director

February 22, 2024

John Beckworth

/s/ Jon-Al Duplantier

Director

February 22, 2024

Jon-Al Duplantier

/s/ Cynthia Dopjera

Director

February 22, 2024

Cynthia Dopjera

/s/ Michael A. Havard

Director

February 22, 2024

Michael A. Havard

/s/ Frances H. Jeter

Director

February 22, 2024

Frances H. Jeter

/s/ George Martinez

Director

February 22, 2024

George Martinez

/s/ Joe E. Penland, Sr.

Director

February 22, 2024

Joe E. Penland, Sr.

/s/ Reagan A. Reaud

Director

February 22, 2024

Reagan A. Reaud

/s/ Steven F. Retzloff

Director

February 22, 2024

Steven F. Retzloff

/s/ Fred S. Robertson

Director

February 22, 2024

Fred S. Robertson

/s/ Joseph B. Swinbank

Director

February 22, 2024

Joseph B. Swinbank

/s/ John E. Williams, Jr.

Director

February 22, 2024

John E. Williams, Jr.

/s/ William E. Wilson, Jr.

Director

February 22, 2024

William E. Wilson, Jr.