Five Star Bancorp(NASDAQ) FSBC

Five Star Bancorp helps businesses and people manage their money. It lends funds to companies for building offices or farms. The bank provides accounts for storing customer savings.

Loans and Savings Services

• Commercial Real Estate: Term loans for offices, industrial buildings, manufactured home communities, and apartment buildings.
• Commercial Construction: Financing for building projects and acquiring land for development.
• SBA Loans: Financing for small businesses through Small Business Administration programs, including the sale of guaranteed loan portions.
• Consumer and Other: Unsecured fixed-rate loans for professionals to make large personal or household purchases.
• Deposit Accounts: Money market, checking, and savings options for businesses, municipalities, and individuals.

Expanding the California Footprint

• Opened a branch office in Walnut Creek and a nondepository office in Newport Beach during the six-month period ended June 30, 2026.
• Expanded the San Francisco branch office through an expansion project during the six-month period ended June 30, 2026.
• Scheduled a 10th branch opening in Lodi for July 2026 to increase its presence in Northern California.
• Closed a public offering in July 2026, issuing 3.1 million shares of common stock to raise approximately $129.9 million in net proceeds.

Specialized Lending and Local Focus

The institution focuses on specialized lending niches including manufactured home communities, agriculture, and faith-based organizations. It maintains local ties in Northern California while expanding its presence into the San Francisco Bay Area and Southern California.

The Midyear Scorecard

• Net income was $38.0 million for the six-month period ended June 30, 2026.
• Total assets reached $5.4 billion at June 30, 2026, up 13.1% compared to Dec. 31, 2025.
• Total deposits were $4.8 billion at June 30, 2026, up 14.2% compared to Dec. 31, 2025.
• Net interest margin was 3.66% for the six-month period ended June 30, 2026.

Bottom Line

Five Star Bancorp has evolved from a local Sacramento bank into a regional player with specialized lending expertise. Its focus on specific property types and high-growth California markets supports its ongoing business expansion.