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Five Star Bancorp (FSBC) investor relations material
Five Star Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $14.5M, up from $13.1M in Q1 2025 and $10.8M in Q2 2024, reflecting strong organic growth in loans and deposits.
Total assets reached $4.4B at June 30, 2025, with deposits at $3.9B and noninterest-bearing deposits at $1.0B.
Net interest margin improved to 3.53% from 3.45% in Q1 2025 and 3.39% in Q2 2024.
Efficiency ratio improved to 41.03% from 44.07% in Q2 2024, indicating better operating efficiency.
Continued expansion in Northern California and the Bay Area, including new Walnut Creek office and business verticals.
Financial highlights
Net interest income for Q2 2025 was $36.5M, up 25.52% year-over-year and 7.47% sequentially.
Loans held for investment grew by $136.2M (15% annualized); deposits up $158.3M (17% annualized) from Q1 2025.
Noninterest income rose to $1.8M from $1.4M sequentially, driven by venture fund investments.
Noninterest expense increased by $0.7M sequentially and $2.2M year-over-year, mainly due to business development expansion.
Provision for credit losses was $2.5M, reflecting loan growth and higher net charge-offs.
Outlook and guidance
Management expects continued loan and deposit growth, with full-year balance sheet growth in the 10–12% range.
Efficiency ratio is expected to continue improving due to prior investments in infrastructure.
Effective tax rate forecasted at 26.65% for the remainder of 2025; evaluating impact of new federal tax law.
Continued investment in business development and support teams; no major technology or support investments anticipated.
Focus on organic growth, business vertical expansion, and maintaining strong credit quality.
Assess Bay Area expansion beyond Walnut Creek.
Explain drivers behind noninterest-bearing deposit growth.
Quantify Walnut Creek office's impact on Q3 expenses?
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Next Five Star Bancorp earnings date
Q3 202528 Oct, 2025
Next Five Star Bancorp earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Five Star Bancorp is a bank holding company that operates through its subsidiary, Five Star Bank. The bank provides a range of commercial and personal banking services, including loans, deposit products, and treasury management solutions. Five Star Bancorp serves small- to medium-sized businesses, professionals, and individuals. The company is headquartered in Rancho Cordova, California, and its shares are listed on the NASDAQ.
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