Inferra AI / Company / FSBC

Five Star Bancorp

FSBC · Financials

Last earnings Oct 27, 2026

Key results

Net incomequarter

$16.3 million

net income of $16.3 million for the three months ended September 30, 2025, as compared to $14.5 million for the three months ended June 30, 2025 and $10.9 million for the three months ended September 30, 2024.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

2 Summary Results Three months ended September 30, 2025, as compared to three months ended June 30, 2025 The Company s net income was $16.3 million for the three months ended September 30, 2025, as compared to $14.5 million for the three months ended June 30, 2025.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Three months ended September 30, 2025, as compared to three months ended September 30, 2024 The Company s net income was $16.3 million for the three months ended September 30, 2025, as compared to $10.9 million for the three months ended September 30, 2024.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Dividendquarter

$12.8 million

The increase in total shareholders equity from December 31, 2024 to September 30, 2025 was primarily a result of net income recognized of $44.0 million and a $2.5 million increase in accumulated other comprehensive income, partially offset by $12.8 million in cash dividends paid during the period.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

AI analysis

Q3 2025 · reported Oct 28, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Net income · Q3 2025

$16.3M

EX-99 · Oct 28, 2025

Dividend · Q3 2025

$12.8M

EX-99 · Oct 28, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$16.3 million	—	—
Dividend	$12.8 million	—	—

EX-99 · Oct 28, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.20

Net income$44.0M

This quarter, we are pleased to have declared another cash dividend to shareholders, which exemplifies our commitment to shareholder value.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Five Star Bancorp Q3 2025 — net income of $16.3 million for the three months ended September 30, 2025, as compared to $14.5 million for the three months ended June 30, 2025 and $10.9 million for the three months ended September…

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

This quarter, we are pleased to have declared another cash dividend to shareholders, which exemplifies our commitment to shareholder value.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The Company had no short-term borrowings at September 30, 2025 or June 30, 2025.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The Company s Board of Directors declared on July 17, 2025, and the Company subsequently paid, a cash dividend of $0.20 per share during the three months ended September 30, 2025.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The Company s Board of Directors subsequently declared another cash dividend of $0.20 per share on October 16, 2025, which the Company expects to pay on November 10, 2025 to shareholders of record as of November 3, 2025.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Total liquidity (consisting of cash and cash equivalents and unused and immediately available borrowing capacity as set forth below) was approximately $2.3 billion as of September 30, 2025, as compared to $2.2 billion at June 30, 2025.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Strategy & priorities

Beckwith, President and Chief Executive Officer, commented Five Star Bank s third quarter results include outstanding growth in loans and core deposits attributable to our successful organic growth strategy that continues to fuel momentum and drive demand for our differentiated customer experience.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

The increase related primarily to additional expenses incurred to support the expansion of the Bank s business development teams, including a $0.1 million increase in expenses related to 11 sponsored events and partnerships and a $0.1 million increase related to client and prospective client development expenses.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Risks & headwinds

The Company cautions that the forward-looking statements are based largely on the Company s expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company s control.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Such forward-looking statements are based on various assumptions (some of which may be beyond the Company s control) and are subject to risks and uncertainties, which change over time, and other factors, which could cause actual results to differ materially from those currently anticipated.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company.

SEC original ↗Five Star Bancorp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Such forward-looking statements are based on various assumptions (some of which may be beyond the Company s control) and are subject to risks and uncertainties, which change over time, and other factors which could cause actual results to differ materially from those currently anticipated.

SEC original ↗Five Star Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

In addition, estimates, forecasts, and assumptions are necessarily subject to a high degree of uncertainty and risk due to a variety of factors.

SEC original ↗Five Star Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Finally, forward-looking information obtained from these sources is subject to the same qualifications and the additional uncertainties regarding the other forward-looking statements in this presentation.

SEC original ↗Five Star Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Documents

Earnings deck slides

0 decks with slide view

Five Star Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors