FIVE STAR BANCORP (FSBC)
FIVE STAR BANCORP (FSBC)
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from financial institutions | 46,123 | 33,978 | 44,147 | 53,724 |
| Interest-bearing deposits in banks | 598,236 | 472,873 | 536,300 | 430,086 |
| Cash and cash equivalents | 644,359 | 506,851 | 580,447 | 483,810 |
| Time deposits in banks | 100 | 100 | 100 | 849 |
| Securities available-for-sale, at fair value, net of allowance for credit losses of 0 at march31, 2026 and december31, 2025 (amortized cost of 105,385 and 107,197 at march31, 2026 and december31, 2025, respectively) | 91,715 | 94,699 | 95,635 | 94,990 |
| Gross unrealized gains | 0 | 0 | 0 | NaN |
| Gross unrealized losses | 196 | 195 | 194 | NaN |
| Fair value | 1,939 | 1,995 | 1,996 | NaN |
| Securities held-to-maturity, at amortized cost, net of allowance for credit losses of 20 at march31, 2026 and december31, 2025 (fair value of 1,939 and 1,995 at march31, 2026 and december31, 2025, respectively) | 2,135 | 2,190 | 2,190 | 2,585 |
| Loans held for sale | NaN | 0 | 0 | 309 |
| Notes Receivable Gross | 312 | 859 | NaN | NaN |
| Financial Asset Past Due | 312 | 859 | NaN | NaN |
| Financial Asset Not Past Due | 3,418,464 | 3,301,902 | 3,141,402 | NaN |
| Commercial Real Estate | 3,418,776 | 3,302,761 | 3,141,402 | NaN |
| Notes Receivable Gross | 2,523 | 1,354 | 931 | NaN |
| Real Estate Commercial Land And Development | 2,523 | 1,354 | 931 | NaN |
| Notes Receivable Gross | 107,858 | 96,423 | 136,623 | NaN |
| Commercial Construction Loans | 107,858 | 96,423 | 136,623 | NaN |
| Notes Receivable Gross | 17,759 | 8,341 | 5,913 | NaN |
| Residential Construction Loans | 17,759 | 8,341 | 5,913 | NaN |
| Notes Receivable Gross | 43,223 | 37,600 | 35,764 | NaN |
| Residential Real Estate | 43,223 | 37,600 | 35,764 | NaN |
| Notes Receivable Gross | 61,065 | 59,584 | 57,535 | NaN |
| Farmland | 61,065 | 59,584 | 57,535 | NaN |
| Financing Receivables30To59Days Past Due | 1,370 | 691 | 1,217 | NaN |
| Financing Receivables60To89Days Past Due | 224 | 8 | 48 | NaN |
| Financing Receivables Equal To Greater Than90Days Past Due | 493 | 183 | NaN | NaN |
| Financial Asset Past Due | 2,087 | 882 | 1,265 | NaN |
| Financial Asset Not Past Due | 242,089 | 251,923 | 190,781 | NaN |
| Secured Debt | NaN | NaN | 192,046 | NaN |
| Secured Commercial Loans | 244,176 | 252,805 | NaN | NaN |
| Notes Receivable Gross | 42,003 | 40,453 | 38,689 | NaN |
| Unsecured Debt | NaN | NaN | 38,689 | NaN |
| Unsecured Commercial Loans | 42,003 | 40,453 | NaN | NaN |
| Notes Receivable Gross | 144 | 46 | 71 | NaN |
| Financing Receivables60To89Days Past Due | NaN | NaN | 6 | NaN |
| Financial Asset Past Due | 144 | 46 | 77 | NaN |
| Financial Asset Not Past Due | 275,866 | 275,562 | 278,279 | NaN |
| Consumer Portfolio Segment | 276,010 | 275,608 | 278,356 | NaN |
| Loans held for investment | 4,213,393 | 4,074,929 | 3,887,259 | 3,758,025 |
| Allowance for credit losses | 46,439 | 44,409 | 42,061 | 40,167 |
| Loans held for investment, net of allowance for credit losses | 4,166,954 | 4,030,520 | 3,845,198 | 3,717,858 |
| Federal home loan bank of san francisco (fhlb) stock | 15,000 | 15,000 | 15,000 | 15,000 |
| Operating leases, right-of-use asset, net | 10,428 | 10,802 | 9,751 | 7,094 |
| Premises and equipment, net | 2,090 | 2,109 | 1,656 | 1,606 |
| Bank-owned life insurance, net | 28,494 | 23,910 | 23,676 | 23,466 |
| Interest receivable and other assets | 70,476 | 68,680 | 68,117 | 65,906 |
| Total assets | 5,031,751 | 4,754,861 | 4,641,770 | 4,413,473 |
| Non-interest-bearing | 1,232,696 | 1,084,537 | 1,059,082 | 1,004,061 |
| Interest-bearing | 3,236,657 | 3,116,547 | 3,044,356 | 2,890,561 |
| Total deposits | 4,469,353 | 4,201,084 | 4,103,438 | 3,894,622 |
| Subordinated notes, net | 74,077 | 74,041 | 74,004 | 73,968 |
| Other borrowings | NaN | 0 | 0 | 0 |
| Operating lease liability | 11,547 | 11,872 | 10,431 | 7,744 |
| Interest payable and other liabilities | 18,255 | 22,032 | 22,589 | 20,397 |
| Total liabilities | 4,573,232 | 4,309,029 | 4,210,462 | 3,996,731 |
| Preferred stock, no par value 10,000,000 shares authorized zero issued and outstanding at march31, 2026 and december31, 2025 | 0 | 0 | 0 | 0 |
| Common stock, no par value 100,000,000 shares authorized 21,376,153 shares issued and outstanding at march31, 2026 21,367,387 shares issued and outstanding at december31, 2025 | 304,372 | 303,990 | 303,571 | 303,155 |
| Retained earnings | 164,262 | 150,985 | 137,615 | 125,545 |
| Accumulated other comprehensive loss, net of taxes | -10,115 | -9,143 | -9,878 | -11,958 |
| Total shareholders equity | 458,519 | 445,832 | 431,308 | 416,742 |
| Total liabilities and shareholders equity | 5,031,751 | 4,754,861 | 4,641,770 | 4,413,473 |