FIVE STAR BANCORP
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 6, 2025
FSBC$44.20-0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
| Three Months EndedSeptember 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| (in thousands, except per share amounts) | 2025 | 2024 | 2025 | 2024 |
| Interest and fee income: | ||||
| Loans, including fees | $59,257 | $50,390 | $168,204 | $140,538 |
| Taxable securities | 415 | 445 | 1,225 | 1,396 |
| Nontaxable securities | 164 | 175 | 512 | 527 |
| Interest-bearing deposits in banks | 5,009 | 1,657 | 12,571 | 6,745 |
| Total interest and fee income | 64,845 | 52,667 | 182,512 | 149,206 |
| Interest expense: | ||||
| Deposits | 24,336 | 21,076 | 69,188 | 59,304 |
| Subordinated notes | 1,161 | 1,161 | 3,484 | 3,484 |
| Other borrowings | — | 44 | — | 196 |
| Total interest expense | 25,497 | 22,281 | 72,672 | 62,984 |
| Net interest income | 39,348 | 30,386 | 109,840 | 86,222 |
| Provision for credit losses | 2,500 | 2,750 | 6,900 | 5,650 |
| Net interest income after provision for credit losses | 36,848 | 27,636 | 102,940 | 80,572 |
| Non-interest income: | ||||
| Service charges on deposit accounts | 185 | 165 | 596 | 542 |
| Gain on sale of loans | — | 306 | 244 | 1,124 |
| Loan-related fees | 683 | 406 | 1,599 | 1,205 |
| FHLB stock dividends | 329 | 327 | 985 | 988 |
| Earnings on BOLI | 209 | 162 | 590 | 462 |
| Other | 560 | 15 | 1,121 | 466 |
| Total non-interest income | 1,966 | 1,381 | 5,135 | 4,787 |
| Non-interest expense: | ||||
| Salaries and employee benefits | 9,716 | 7,969 | 27,760 | 23,349 |
| Occupancy and equipment | 700 | 626 | 1,994 | 1,898 |
| Data processing and software | 1,559 | 1,327 | 4,524 | 3,719 |
| FDIC insurance | 500 | 405 | 1,425 | 1,195 |
| Professional services | 932 | 830 | 2,763 | 2,304 |
| Advertising and promotional | 803 | 584 | 2,190 | 1,659 |
| Loan-related expenses | 317 | 292 | 1,059 | 886 |
| Other operating expenses | 2,053 | 1,743 | 5,636 | 4,995 |
| Total non-interest expense | 16,580 | 13,776 | 47,351 | 40,005 |
| Income before provision for income taxes | 22,234 | 15,241 | 60,724 | 45,354 |
| Provision for income taxes | 5,890 | 4,300 | 16,761 | 13,000 |
| Net income | $16,344 | $10,941 | $43,963 | $32,354 |
| Basic earnings per common share | $0.77 | $0.52 | $2.07 | $1.63 |
| Diluted earnings per common share | $0.77 | $0.52 | $2.07 | $1.63 |
See accompanying notes to unaudited consolidated financial statements.
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