FIVE STAR BANCORP
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
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 for the years ended and
| (in thousands, except per share amounts) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Interest and fee income: | |||
| Loans, including fees | $229,214 | $193,341 | $162,713 |
| Taxable securities | 1,626 | 1,830 | 1,876 |
| Nontaxable securities | 672 | 700 | 724 |
| Interest-bearing deposits in banks | 17,421 | 11,080 | 9,069 |
| Total interest and fee income | 248,933 | 206,951 | 174,382 |
| Interest expense: | |||
| Deposits | 92,382 | 82,398 | 57,861 |
| Subordinated notes | 4,646 | 4,646 | 4,646 |
| Other borrowings | — | 196 | 995 |
| Total interest expense | 97,028 | 87,240 | 63,502 |
| Net interest income | 151,905 | 119,711 | 110,880 |
| Provision for credit losses | 9,700 | 6,950 | 4,000 |
| Net interest income after provision for credit losses | 142,205 | 112,761 | 106,880 |
| Non-interest income: | |||
| Service charges on deposit accounts | 755 | 721 | 575 |
| Net gain (loss) on sale of securities | — | — | (167) |
| Gain on sale of loans | 244 | 1,274 | 1,952 |
| Loan-related fees | 2,156 | 1,605 | 1,719 |
| FHLB stock dividends | 1,317 | 1,320 | 970 |
| Earnings on BOLI | 824 | 644 | 510 |
| Other | 1,239 | 889 | 1,952 |
| Total non-interest income | 6,535 | 6,453 | 7,511 |
| Non-interest expense: | |||
| Salaries and employee benefits | 37,885 | 31,709 | 27,097 |
| Occupancy and equipment | 2,782 | 2,547 | 2,218 |
| Data processing and software | 6,121 | 5,088 | 4,015 |
| FDIC insurance | 1,950 | 1,635 | 1,557 |
| Professional services | 3,723 | 3,078 | 2,575 |
| Advertising and promotional | 3,178 | 2,411 | 2,403 |
| Loan-related expenses | 1,423 | 1,207 | 1,192 |
| Other operating expenses | 7,946 | 6,818 | 6,718 |
| Total non-interest expense | 65,008 | 54,493 | 47,775 |
| Income before provision for income taxes | 83,732 | 64,721 | 66,616 |
| Provision for income taxes | 22,126 | 19,050 | 18,882 |
| Net income | $61,606 | $45,671 | $47,734 |
| Basic earnings per common share | $2.90 | $2.26 | $2.78 |
| Diluted earnings per common share | $2.90 | $2.26 | $2.78 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.