FIVE STAR BANCORP
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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FY2025 · Filed Feb 27, 2026
FSBC$44.29+0.4%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets as of and
December 31, 2025 and 2024
| (in thousands, except share amounts) | 2025 | 2024 |
|---|---|---|
| ASSETS | ||
| Cash and due from financial institutions | $33,978 | $33,882 |
| Interest-bearing deposits in banks | 472,873 | 318,461 |
| Cash and cash equivalents | 506,851 | 352,343 |
| Time deposits in banks | 100 | 4,121 |
| 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) | 94,699 | 98,194 |
| 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) | 2,190 | 2,720 |
| Loans held for sale | — | 3,247 |
| Loans held for investment | 4,074,929 | 3,532,686 |
| Allowance for credit losses | (44,409) | (37,791) |
| Loans held for investment, net of allowance for credit losses | 4,030,520 | 3,494,895 |
| FHLB stock | 15,000 | 15,000 |
| Operating leases, right-of-use asset, net | 10,802 | 6,245 |
| Premises and equipment, net | 2,109 | 1,584 |
| Bank-owned life insurance, net | 23,910 | 19,375 |
| Interest receivable and other assets | 68,680 | 55,554 |
| Total assets | $4,754,861 | $4,053,278 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Deposits: | ||
| Non-interest-bearing | $1,084,537 | $922,629 |
| Interest-bearing | 3,116,547 | 2,635,365 |
| Total deposits | 4,201,084 | 3,557,994 |
| Borrowings: | ||
| Subordinated notes, net | 74,041 | 73,895 |
| Other borrowings | — | — |
| Operating lease liability | 11,872 | 6,857 |
| Interest payable and other liabilities | 22,032 | 17,908 |
| Total liabilities | 4,309,029 | 3,656,654 |
| Commitments and contingencies (Note 15) | ||
| Shareholders’ equity: | ||
| Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at December 31, 2025 and 2024 | — | — |
| 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 | 303,990 | 302,531 |
| Retained earnings | 150,985 | 106,464 |
| Accumulated other comprehensive loss, net of taxes | (9,143) | (12,371) |
| Total shareholders’ equity | 445,832 | 396,624 |
| Total liabilities and shareholders’ equity | $4,754,861 | $4,053,278 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.