Five Star Bancorp ( (FSBC) ) has released its Q2 earnings. Here is a breakdown of the information Five Star Bancorp presented to its investors.
TipRanks Black Friday Sale
- Claim 60% off TipRanks Premium for the data-backed insights and research tools you need to invest with confidence.
- Subscribe to TipRanks' Smart Investor Picks and see our data in action through our high-performing model portfolio - now also 60% off
Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, with eight branches in Northern California. The company is known for its relationship-based banking approach, offering high-tech and high-touch concierge business banking services.
In its second quarter of 2025 financial report, Five Star Bancorp announced a net income of $14.5 million, marking an increase from both the previous quarter and the same period last year. The company highlighted significant growth in loans and deposits, driven by its organic growth strategy and expansion in the San Francisco Bay Area.
Key financial metrics showed improvement, with a return on average assets of 1.37% and a return on average equity of 14.17%. The net interest margin increased to 3.53%, and the efficiency ratio improved to 41.03%. The company also reported a substantial increase in non-interest income, attributed to better earnings from investments in venture-backed funds.
Five Star Bancorp’s management expressed confidence in continued growth, emphasizing the expansion into the Walnut Creek market and the development of business verticals such as Food, Agribusiness, and Diversified Industries. The company remains committed to maintaining its conservative underwriting practices and exceptional credit quality.
Looking ahead, Five Star Bancorp aims to sustain its growth trajectory by leveraging its strong operational efficiencies and expanding its market presence, while continuing to focus on providing value to its clients, employees, and shareholders.