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Earnings Releases·

Five Star Bancorp — Third Quarter 2026 Earnings Summary

  • Net income rose to $21.9 million for Q3 2026, up from $19.4 million in Q2 2026 and $16.3 million in Q3 2025, while earnings per share reached $0.92; net interest income increased 10.51% sequentially to $50.9 million, and the efficiency ratio improved to 39.13%.
  • Total assets grew 3.40% to $5.56 billion, driven by a 4.08% increase in loans to $4.70 billion, while the company completed a capital raise of approximately $130.0 million via a public offering of 3,133,750 shares.
  • The company declared a quarterly cash dividend of $0.25 per share, a $0.05 increase from the prior year, and expanded its California footprint with new branches in Lodi and Calabasas alongside four new hires in Palo Alto.
  • Management provided no specific quantitative forward guidance but expressed confidence in organic balance sheet growth and capital strength, citing strong credit quality despite non-interest income declining due to lower earnings from venture-backed funds.
Company
FIVE STAR BANCORP
Sector
Financial Services
Industry
Banks - Regional