Five Star Bank/$FSBC

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About Five Star Bank

Five Star Bancorp is a bank holding company through its subsidiary it operates in California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals. It offers loan products like commercial real estate loans, commercial loans, commercial land and construction loans, and farmland loans and offers deposit products like checking accounts, savings accounts, money market accounts, and term certificate accounts. The group has one reportable operating segment; Banking.

Ticker

$FSBC
Sector
Primary listing

Employees

208

Five Star Bank Metrics

BasicAdvanced
$685M
13.14
$2.44
0.50
$0.80
2.50%

Bulls say / Bears say

Net income grew 10.7% from the prior quarter and 34.6% from a year earlier to $14.5 million in Q2 2025, driven by strong organic growth and expanded margins (GlobeNewswire).
Total loans held for investment grew $136.2 million (3.76%) and total deposits rose $158.3 million (4.24%) in Q2 2025, boosting net interest income and raising NIM to 3.53% (GlobeNewswire).
KBRA affirmed FSBC’s senior unsecured debt rating at BBB with a stable outlook on July 25, 2025, citing the company’s strong earnings, above-peer NIM, and a branch-lite model that keeps operating costs at 1.5% of assets (KBRA).
CRE loans made up 86.62% of the loan portfolio as of March 31, 2025, raising the risk from heavy exposure to Northern California real estate fluctuations (SEC).
Non-interest income was just about 5% of total revenue, leaving FSBC vulnerable to pressure on net interest margin if funding costs rise (KBRA).
The nonperforming loans ratio rose from 0.05% to 0.06% in Q2 2025 after a CRE loan went nonaccrual, suggesting early signs of weakening asset quality (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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