F
FIVE STAR BANCORP
Period
FY 2025
Revenue
—
Net Income
$61.61M
Total Assets
$4.75B
Equity
$445.83M
Shares Out
21.38M
Op. Cash Flow
$72.61M
Business
Five Star Bancorp is a bank holding company operating through its wholly owned subsidiary, Five Star Bank, a California state-chartered bank. It provides commercial real estate loans, construction loans, operating lines of credit, and deposit products to small and medium-sized businesses, professionals, and individuals primarily in Northern California through nine branch offices. The company operates as a single reportable segment focused on relationship-driven commercial banking in the Greater Sacramento Area and expanding into the San Francisco Bay Area.
Summary from 10-K filed 2026-02-27
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans, including fees | 229 | 193 | 163 | 112 | 79 | |
| Taxable securities | 2 | 2 | 2 | 2 | 1 | |
| Nontaxable securities | 672,000 | 700,000 | 724,000 | 713,000 | 821,000 | |
| Interest-bearing deposits in banks | 17 | 11 | 9 | 4 | 547,000 | |
| Total interest and fee income | 249 | 207 | 174 | 118 | 82 | |
| Deposits | 92 | 82 | 58 | 11 | 2 | |
| Subordinated notes | 5 | 5 | 5 | 4 | 2 | |
| Other borrowings | 0 | 196,000 | 995,000 | 185,000 | — | |
| Total interest expense | 97 | 87 | 64 | 15 | — | |
| Net interest income | 152 | 120 | 111 | 103 | 78 | |
| Provision for credit losses | 10 | 7 | 4 | 7 | 2 | |
| Net interest income after provision for credit losses | 142 | 113 | 107 | 96 | 76 | |
| Service charges on deposit accounts | 755,000 | 721,000 | 575,000 | 467,000 | 424,000 | |
| Net gain (loss) on sale of securities | 0 | 0 | −167,000 | 5,000 | — | |
| Gain on sale of loans | 244,000 | 1 | 2 | 3 | 4 | |
| Loan-related fees | 2 | 2 | 2 | 2 | 1 | |
| FHLB stock dividends | 1 | 1 | 970,000 | 546,000 | 372,000 | |
| Earnings on BOLI | 824,000 | 644,000 | 510,000 | 412,000 | 237,000 | |
| Other | 1 | 889,000 | 2 | 586,000 | 135,000 | |
| Total non-interest income | 7 | 6 | 8 | 7 | 7 | |
| Salaries and employee benefits | 38 | 32 | 27 | 23 | 20 | |
| Occupancy and equipment | 3 | 3 | 2 | 2 | 2 | |
| Data processing and software | 6 | 5 | 4 | 3 | 2 | |
| FDIC insurance | 2 | 2 | 2 | 850,000 | 700,000 | |
| Professional services | 4 | 3 | 3 | 2 | 4 | |
| Advertising and promotional | 3 | 2 | 2 | 2 | 1 | |
| Loan-related expenses | 1 | 1 | 1 | 1 | 1 | |
| Other operating expenses | 8 | 7 | 7 | 6 | 5 | |
| Total non-interest expense | 65 | 54 | 48 | 41 | 36 | |
| Income before provision for income taxes | 84 | 65 | 67 | 63 | 47 | |
| Provision for income taxes | 22 | 19 | 19 | 18 | 5 | |
| Net income | 62 | 46 | 48 | 45 | 42 | |
| Basic earnings per common share (in USD per share) | 2.9 | 2.26 | 2.78 | 2.61 | 2.83 | |
| Diluted earnings per common share (in USD per share) | 2.9 | 2.26 | 2.78 | 2.61 | 2.83 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from financial institutions | 34 | 34 | 27 | 33 | 136 | |
| Interest-bearing deposits in banks | 473 | 318 | 295 | 227 | 289 | |
| Cash and cash equivalents | 507 | 352 | 322 | 260 | 425 | |
| Time deposits in banks | 100,000 | 4 | 6 | 10 | 14 | |
| Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at December 31, 2025 and 2024 (amortized cost of $107,197 and $115,757 at December 31, 2025 and 2024, respectively) | 95 | 98 | 108 | 116 | 149 | |
| Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at December 31, 2025 and 2024 (fair value of $1,995 and $2,353 at December 31, 2025 and 2024, respectively) | 2 | 3 | 3 | 4 | 5 | |
| Loans held for sale | 0 | 3 | 11 | 9 | 11 | |
| Loans held for investment | 4,075 | 3,533 | 3,082 | 2,791 | — | |
| Allowance for credit losses | −44 | −38 | −34 | −28 | −23 | |
| Loans held for investment, net of allowance for credit losses | 4,031 | 3,495 | 3,047 | 2,763 | — | |
| FHLB stock | 15 | 15 | 15 | 11 | 7 | |
| Operating leases, right-of-use asset, net | 11 | 6 | 5 | 4 | 0 | |
| Premises and equipment, net | 2 | 2 | 2 | 2 | 2 | |
| Bank-owned life insurance, net | 24 | 19 | 17 | 15 | 11 | |
| Interest receivable and other assets | 69 | 56 | 57 | 34 | 22 | |
| Total assets | 4,755 | 4,053 | 3,593 | 3,227 | 2,557 | |
| Non-interest-bearing | 1,085 | 923 | 831 | 971 | 902 | |
| Interest-bearing | 3,117 | 2,635 | 2,196 | 1,811 | 1,384 | |
| Total deposits | 4,201 | 3,558 | 3,027 | 2,782 | 2,286 | |
| Subordinated notes, net | 74 | 74 | 74 | 74 | 28 | |
| Other borrowings | 0 | 0 | 170 | — | — | |
| Operating lease liability | 12 | 7 | 6 | 4 | 0 | |
| Interest payable and other liabilities | 22 | 18 | 31 | 14 | 7 | |
| Total liabilities | 4,309 | 3,657 | 3,307 | 2,974 | 2,322 | |
| Commitments and contingencies (Note 15) | — | — | — | — | — | |
| Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at December 31, 2025 and 2024 | 0 | 0 | 0 | 0 | 0 | |
| Common stock, no par value; 100,000,000 shares authorized; 21,367,387 shares issued and outstanding at December 31, 2025; 21,319,083 shares issued and outstanding at December 31, 2024 | 304 | 303 | 221 | 220 | 218 | |
| Retained earnings | 151 | 106 | 77 | 47 | 17 | |
| Accumulated other comprehensive loss, net of taxes | −9 | −12 | −12 | −13 | −566,000 | |
| Total shareholders equity | 446 | 397 | 286 | 253 | 235 | |
| Total liabilities and shareholders equity | 4,755 | 4,053 | 3,593 | 3,227 | 2,557 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation and amortization | 2 | 2 | 2 | 2 | 607,000 | |
| Amortization of deferred loan fees and costs | 170,000 | −337,000 | 117,000 | 534,000 | — | |
| Amortization of premiums and discounts on securities | 800,000 | 943,000 | 1 | 1 | 2 | |
| Amortization of subordinated note issuance costs | 146,000 | 146,000 | 144,000 | 122,000 | 66,000 | |
| Amortization of low income housing tax credits | 2 | 1 | 291,000 | 0 | — | |
| Stock compensation expense | 1 | 1 | 962,000 | 1 | 1 | |
| Deferred tax provision | −578,000 | −243,000 | −897,000 | −2 | −4 | |
| Purchase of transferable tax credits | −7 | 0 | 0 | — | — | |
| Loans originated for sale | −1 | −22 | −48 | −60 | −48 | |
| Gain on sale of loans | −244,000 | −1 | −2 | −3 | −4 | |
| Gross proceeds from sale of loans | 4 | 20 | 38 | 54 | 43 | |
| Net loss (gain) on sale of securities available-for-sale | 0 | 0 | 167,000 | −5,000 | −724,000 | |
| Earnings on equity investments | −821,000 | −545,000 | −2 | 0 | — | |
| Interest receivable and other assets | −3 | 3 | −4 | −5 | −3 | |
| Interest payable and other liabilities | 6 | −3 | 2 | 7 | −230,000 | |
| Operating lease liability | −1 | −916,000 | −900,000 | −978,000 | 0 | |
| Net cash provided by operating activities | 73 | 52 | 39 | 46 | 29 | |
| Proceeds from sale of securities available-for-sale | 0 | 0 | 737,000 | 2 | 47 | |
| Maturities, prepayments, and calls of securities available-for-sale | 9 | 8 | 10 | 16 | 19 | |
| Purchases of securities available-for-sale | −1 | 0 | −1 | −3 | −100 | |
| Capital call for equity investments | −2 | −3 | −1 | 0 | — | |
| Proceeds received from equity investments | 283,000 | 1 | 2 | — | — | |
| Capital call for low income housing tax credits | −6 | −10 | −2 | — | — | |
| Net change in time deposits in banks | 4 | 2 | 4 | 5 | 9 | |
| Loan originations, net of repayments | −544 | −443 | −284 | −848 | −427 | |
| Purchase of premises and equipment, net | −1 | −628,000 | −653,000 | −481,000 | −717,000 | |
| Purchase of FHLB stock | 0 | 0 | −4 | −4 | −491,000 | |
| Purchase of BOLI | −4 | −2 | −2 | −3 | −2 | |
| Other real estate sale proceeds | 87,000 | 0 | 0 | — | — | |
| Net cash used in investing activities | −544 | −447 | −279 | −837 | −455 | |
| Net change in deposits | 643 | 531 | 245 | 496 | 502 | |
| Proceeds from issuance of stock, net of issuance costs | 0 | 81 | 0 | 0 | 111 | |
| (Payments) advances on other borrowings | 0 | −170 | 70 | 100 | — | |
| Cash dividends paid | −17 | −16 | −13 | −15 | −52 | |
| Net cash provided by financing activities | 626 | 426 | 302 | 626 | 561 | |
| Net change in cash and cash equivalents | 155 | 31 | 62 | −165 | 135 | |
| Interest paid | 98 | 87 | 62 | 1 | 5 | |
| US Federal | 12 | — | — | — | — | |
| US Federal - IRC 45X Tax Credits | 7 | — | — | — | — | |
| Total | 25 | 17 | 20 | 5 | 10 | |
| Transfer from loans held for sale to loans held for investment | 1 | 11 | 9 | 11 | — | |
| Unrealized gain (loss) on securities | 5 | −858,000 | 2 | −18 | −2 | |
| Operating lease liabilities exchanged for ROUA | 6 | 2 | 2 | 5 | 0 | |
| ROUA acquired | −6 | −2 | −2 | 0 | — | |
| Increase (decrease) in commitment for low income housing tax credits | 10 | −531,000 | 14 | — | — |
Filings
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Frequently asked questions
What is FIVE STAR BANCORP's CIK number?
FIVE STAR BANCORP's SEC CIK number is 0001275168 (1275168). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find FIVE STAR BANCORP's SEC filings?
All of FIVE STAR BANCORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did FIVE STAR BANCORP last report earnings?
FIVE STAR BANCORP (FSBC) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-027794). This is FIVE STAR BANCORP's most recent earnings filing of record — not a forecast of its next earnings date.
What is FIVE STAR BANCORP's most recent earnings 8-K?
FIVE STAR BANCORP's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001628280-26-027794. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View FIVE STAR BANCORP's latest earnings 8-K →
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