Five Star Bancorp (FSBC) SEC Filings & Earnings Calls
EquiReason read 21 Five Star Bancorp SEC filings in the last 12 months. Latest: 8-K on 2026-10-19 — Five Star Bancorp declares a regular quarterly cash dividend of $0.25 per share, a routine declaration with no change indicated..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.1B
- P/E TTM
- 13.0
- Dividend yield
- 2.0%
- 52-week
- —
- Next earnings
- 26 Oct, in 2 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
19 Oct 20268-K · 7.01Five Star Bancorp declares a regular quarterly cash dividend of $0.25 per share, a routine declaration with no change indicated.open
Figures in the filing · each found in the filing text
| dividend per share · Q3-2026 | $0.25 |
10 Sep 20268-K · 5.02Director Donna Lucas resigned from Five Star Bancorp's board effective immediately, with no disagreement cited.open
Risks flagged
Loss of board member, but no disagreement or material impact expected
“Resignation effective immediately; no disagreement cited”
6 Aug 202610-QFive Star Bancorp reported strong Q2 2026 results with net income up 33.7% YoY, NIM expansion, and robust loan and deposit growth.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Margin · Q2-2026 | 3.6% | |
| Return on Average Assets · Q2-2026 | 1.5% | |
| Total Deposits · Q2-2026 | $4.80B | |
| Total Loans Held for Investment · Q2-2026 | $4.52B | |
| Net Income · Q2-2026 | $19M | |
| Total Assets · Q2-2026 | $5.38B | |
| Tier 1 Leverage Ratio · Q2-2026 | 9.2% |
Risks flagged
Nonperforming loan increase from single CRA loan
“This increase was due to a $10.3 million, or 331.20% increase in nonperforming loans due to one Community Reinvestment Act loan that was placed on non-accrual status during the period.” · word for word
Commercial real estate concentration
“Commercial real estate loan balances as a percentage of risk-based capital were 615.22% and 594.17% as of June 30, 2026 and December 31, 2025, respectively.” · word for word
23 Jul 20268-K · 1.01, 8.01Five Star Bancorp priced an underwritten public offering of 2,725,000 shares at $44.00/share, expected net proceeds ~$112.9M, for general corporate purposes and growth investments.open
Figures in the filing · each found in the filing text
| Shares offered · Q3-2026 | 2,725,000 | |
| Public offering price per share · Q3-2026 | $44.00 | |
| Net proceeds · Q3-2026 | $113M | |
| Over-allotment option shares · Q3-2026 | 408,750 |
Risks flagged
Dilution from new share issuance, though proceeds support growth.
“Issue and sell 2,725,000 shares of common stock, representing approximately 2.1% dilution based on prior outstanding shares.” · word for word
Market conditions may affect final proceeds and use.
“The Offering is expected to close on or about July 24, 2026, subject to satisfaction of customary closing conditions.” · word for word
22 Jul 20268-K · 2.02, 7.01Five Star Bancorp reported Q2 2026 net income of $19.4M ($0.91 diluted EPS) vs $18.6M ($0.87) in Q1 2026 and $14.5M ($0.68) in Q2 2025. NIM 3.63% down 7 bps QoQ but up 10 bps YoY. Loan growth $306.3M (7% QoQ), deposit growth $330.0M (7% QoQearningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $19M | +34% y/y |
| Diluted earnings per common share · Q2-2026 | $0.91 | +34% y/y |
| Return on average assets (ROAA) · Q2-2026 | 1.5% | |
| Return on average equity (ROAE) · Q2-2026 | 16.7% | |
| Net interest margin · Q2-2026 | 3.6% | |
| Efficiency ratio · Q2-2026 | 40.9% | |
| Loans held for investment · Q2-2026 | $4.52B | +20% y/y |
| Total deposits · Q2-2026 | $4.80B | |
| Common equity Tier 1 capital ratio · Q2-2026 | 10.0% | |
| Nonperforming loans to loans held for investment · Q2-2026 | 0.3% |
Risks flagged
NPL ratio increased from 0.07% to 0.30% due to one $11.4M CRA loan on nonaccrual, but still very low
“The ratio of nonperforming loans to loans held for investment at period end increased from 0.07% at March 31, 2026 to 0.30% at June 30, 2026, due to one Community Reinvestment Act loan that was placed on non-accrual status. The balance of the loan is $11.4 million.” · word for word
NIM contraction of 7 bps QoQ due to rapid balance sheet dilution, though YoY expansion shows underlying strength
“Net interest margin for the three months ended June 30, 2026 contracted by seven basis points from 3.70% for the three months ended March 31, 2026, reflecting that strong quarter-over-quarter growth in net interest income was primarily volume driven, as rapid balance sheet expansion modestly diluted the overall yield on earning assets.” · word for word
20 Jul 20268-K · 7.01Quarterly cash dividend per share $0.25open
Figures in the filing · each found in the filing text
| Quarterly cash dividend per share · Q2-2026 | $0.25 |
7 May 202610-QNet interest margin 3.7; Total deposits $4.47B; Total loans held for investment $4.21Bopen
Figures in the filing · each found in the filing text
| Net interest margin · Q1-2026 | 3.7% | |
| Total deposits · 2026-03-31 | $4.47B | |
| Total loans held for investment · 2026-03-31 | $4.21B | |
| Net income · Q1-2026 | $19M | +42% y/y |
| Total assets · 2026-03-31 | $5.03B | |
| Tier 1 leverage ratio · 2026-03-31 | 9.6% |
Risks flagged
Commercial real estate concentration
“Commercial real estate loan balances as a percentage of risk-based capital were 599.40% ... as of March 31, 2026” · word for word
Geographic concentration in California
“our loans are geographically concentrated with borrowers and collateralized properties primarily in California.” · word for word
Large deposit concentration
“our 62 largest deposit relationships ... totaled $2.2 billion, or 48.62% of our total deposits.”
28 Apr 20268-K · 2.02, 7.01Net income $19M (+42% y/y); Basic earnings per common share $0.87 (+40% y/y); Return on average assets 1.55earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $19M | +42% y/y |
| Basic earnings per common share · Q1-2026 | $0.87 | +40% y/y |
| Return on average assets · Q1-2026 | 1.6% | |
| Return on average equity · Q1-2026 | 16.7% | |
| Net interest margin · Q1-2026 | 3.7% | |
| Total deposits · Q1-2026 | $268M | |
| Total loans held for investment · Q1-2026 | $139M | |
| Cash dividend per share · Q1-2026 | $0.25 | +25% y/y |
Risks flagged
Wholesale deposit reliance decreased but still present; wholesale deposits fell 17.62%.
“wholesale deposits decreased by $81.9 million, or 17.62%” · word for word
20 Apr 20268-K · 7.01Quarterly cash dividend per share $0.25open
Figures in the filing · each found in the filing text
| Quarterly cash dividend per share · Q1-2026 | $0.25 |
30 Mar 2026DEF 14ARoutine proxy statement for 2026 annual meeting; no material event.open
Figures in the filing · each found in the filing text
| Total Compensation - CEO · FY2025 | $2M | +7% y/y |
| Total Compensation - CEO (prior year) · FY2024 | $2M | |
| Total Compensation - EVP & SF Bay Area President · FY2025 | $820918.00 | |
| Total Compensation - EVP & CBO · FY2025 | $783871.00 | +37% y/y |
| Total Compensation - EVP & CBO (prior year) · FY2024 | $570391.00 | |
| CEO Base Salary · FY2025 | $698988.00 | +11% y/y |
| CEO Base Salary (prior year) · FY2024 | $627915.00 | |
| CEO Annual Bonus Target · FY2025 | 75.0% | |
| CEO Non-Equity Incentive Plan Compensation · FY2025 | $605365.00 | +11% y/y |
| CEO Non-Equity Incentive Plan Compensation (prior year) · FY2024 | $547000.00 |
Risks flagged
CEO share pledging risk
“Reported shares include 427,168 shares pledged as collateral to secure certain personal indebtedness.” · word for word
Insider ownership concentration
“All Directors and Executive Officers of the Company as a group (18 persons) 4,657,677 ... 21.79 %” · word for word
27 Jan 20268-K · 2.02, 7.01Net income $18M (+32% y/y); Diluted earnings per common share $0.83 (+32% y/y); Return on average assets 1.5earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $18M | +33% y/y |
| Diluted earnings per common share · Q4-2025 | $0.83 | +32% y/y |
| Return on average assets · Q4-2025 | 1.5% | |
| Return on average equity · Q4-2025 | 16.0% | |
| Total deposits · FY2025 | $643M | +18% y/y |
| Loans held for investment · FY2025 | $542M | +15% y/y |
| Efficiency ratio · FY2025 | 41.0% | |
| Cash and cash equivalents · Q4-2025 | $507M |
Guidance
Management expresses positive outlook for 2026, focusing on expense management and conservative underwriting; no specific quantitative guidance provided.
Risks flagged
Wholesale deposits decreased, indicating potential reliance on more stable non-wholesale funding.
“Wholesale deposits decreased by $41.4 million, or 8.18%, while non-wholesale deposits increased.” · word for word
16 Jan 20268-K · 7.01Quarterly cash dividend per share $0.25 (+25% y/y)open
Figures in the filing · each found in the filing text
| Quarterly cash dividend per share · Q4-2025 | $0.25 | +25% y/y |
6 Nov 202510-QFive Star Bancorp reported strong Q3 2025 results with net income up 49.4% YoY, NIM expansion, and robust loan and deposit growth.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q3-2025 | 3.6% | |
| Total deposits · Q3-2025 | $4.10B | |
| Total loans held for investment · Q3-2025 | $3.89B | |
| Net income · Q3-2025 | $16M | +49% y/y |
| Efficiency ratio · Q3-2025 | 40.1% | |
| ROAA · Q3-2025 | 1.4% | |
| ROAE · Q3-2025 | 15.3% | |
| Dividend per share · Q3-2025 | $0.20 |
Risks flagged
Commercial real estate concentration
“Commercial real estate loan balances as a percentage of risk-based capital were 589.24% ... as of September 30, 2025.” · word for word
Geographic concentration in California
“Our loans are geographically concentrated with borrowers and collateralized properties primarily in California.” · word for word
28 Oct 20258-K · 2.02, 7.01Net income $16M (+50% y/y); Diluted EPS $0.77 (+48% y/y); Return on average assets (ROAA) 1.44earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $16M | +50% y/y |
| Diluted EPS · Q3-2025 | $0.77 | +48% y/y |
| Return on average assets (ROAA) · Q3-2025 | 1.4% | |
| Return on average equity (ROAE) · Q3-2025 | 15.3% | |
| Net interest margin · Q3-2025 | 3.6% | |
| Efficiency ratio · Q3-2025 | 40.1% | |
| Total deposits · Q3-2025 | $209M | |
| Loans held for investment · Q3-2025 | $3.89B | |
| Common equity Tier 1 capital ratio · Q3-2025 | 10.8% |
Risks flagged
Unrealized losses on AFS securities of $9.9M; limited exposure to securities (2.12% of earning assets).
“Unrealized losses, net of tax effect, on available-for-sale securities were $9.9 million.” · word for word
Five Star Bancorp — questions
- What did Five Star Bancorp file recently?
- 21 SEC filings in the last 12 months. Latest: 8-K on 2026-10-19 — Five Star Bancorp declares a regular quarterly cash dividend of $0.25 per share, a routine declaration with no change indicated.
Every figure on this page comes from Five Star Bancorp's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.