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Income Statement
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Balance Sheet
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Income Overview
Net Income
$19,399K
EPS
$0.91
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
65,565
62,116
56,305*
59,257
Taxable securities
350
386
399*
415
Nontaxable securities
159
158
165*
164
Interest-bearing deposits in banks
6,253
4,687
3,927*
5,009
Total interest and fee income
72,327
67,347
60,796*
64,845
Deposits
25,082
22,729
21,522*
24,336
Subordinated notes
1,162
1,161
1,163*
1,161
Other borrowings
-
0
0*
0
Total interest expense
26,244
23,890
22,685*
25,497
Net interest income
46,083
43,457
38,111*
39,348
Provision for credit losses
2,250
2,675
2,200*
2,500
Net interest income after provision for credit losses
43,833
40,782
35,911*
36,848
Service charges on deposit accounts
122
135
184*
185
Net gain (loss) on sale of securities
-
-
0*
-
Gain on sale of loans
0
0
66*
0
Loan-related fees
679
1,265
430*
683
Fhlb stock dividends
191
762
336*
329
Earnings on bank-owned life insurance (boli)
265
225
181*
209
Other
615
-744
-324*
560
Total non-interest income
1,872
1,643
871*
1,966
Salaries and employee benefits
11,421
11,430
9,946*
9,716
Occupancy and equipment
873
829
747*
700
Data processing and software
1,709
1,551
1,521*
1,559
Federal deposit insurance corporation (fdic) insurance
585
545
495*
500
Professional services
952
926
948*
932
Advertising and promotional
959
744
676*
803
Loan-related expenses
304
247
313*
317
Other operating expenses
2,813
1,122
1,904*
2,053
Total non-interest expense
19,616
17,394
16,549*
16,580
Income before provision for income taxes
26,089
25,031
20,233*
22,234
Provision for income taxes
6,690
6,410
4,905*
5,890
Net income
19,399
18,621
15,328
16,344
Basic EPS
0.91
0.87
0.722
0.77
Diluted EPS
0.91
0.87
0.721
0.77
Basic Average Shares
21,273,902
21,253,085
21,216,970
21,231,563
Diluted Average Shares
21,338,903
21,313,078
21,269,573
21,281,818
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$65,565K
(17.05%↑ Y/Y)
Interest-bearing deposits in
banks
$6,253K
(56.83%↑ Y/Y)
Taxable securities
$350K
(-13.15%↓ Y/Y)
Nontaxable securities
$159K
(-8.62%↓ Y/Y)
Total interest and fee
income
$72,327K
(19.39%↑ Y/Y)
Net interest income
$46,083K
(26.20%↑ Y/Y)
Loan-related fees
$679K
(45.09%↑ Y/Y)
Other
$615K
(27.59%↑ Y/Y)
Earnings on bank-owned
life insurance...
$265K
(20.45%↑ Y/Y)
Fhlb stock dividends
$191K
(-41.23%↓ Y/Y)
Service charges on
deposit accounts
$122K
(-37.76%↓ Y/Y)
Total interest
expense
$26,244K
(9.05%↑ Y/Y)
Net interest income
after provision for...
$43,833K
(28.86%↑ Y/Y)
Total non-interest
income
$1,872K
(3.43%↑ Y/Y)
Provision for credit
losses
$2,250K
(-10.00%↓ Y/Y)
Deposits
$25,082K
(9.51%↑ Y/Y)
Subordinated notes
$1,162K
(0.09%↑ Y/Y)
Income before
provision for income taxes
$26,089K
(29.80%↑ Y/Y)
Total non-interest
expense
$19,616K
(24.74%↑ Y/Y)
Net income
$19,399K
(33.71%↑ Y/Y)
Provision for income taxes
$6,690K
(19.66%↑ Y/Y)
Salaries and employee
benefits
$11,421K
(28.18%↑ Y/Y)
Other operating
expenses
$2,813K
(42.43%↑ Y/Y)
Data processing and
software
$1,709K
(13.33%↑ Y/Y)
Advertising and promotional
$959K
(10.87%↑ Y/Y)
Professional services
$952K
(3.70%↑ Y/Y)
Occupancy and equipment
$873K
(32.88%↑ Y/Y)
Federal deposit
insurance corporation...
$585K
(24.47%↑ Y/Y)
Loan-related expenses
$304K
(-28.13%↓ Y/Y)
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FIVE STAR BANCORP (FSBC)
FIVE STAR BANCORP (FSBC)