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Five Star Bancorp (FSBC) investor relations material
Five Star Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $16.3 million, up from $14.5 million in Q2 2025 and $10.9 million in Q3 2024, reflecting strong loan and deposit growth and improved profitability.
Opened a new full-service office in Walnut Creek, expanding Bay Area presence to 36 employees and $548.9 million in deposits.
Celebrated 25th anniversary and recognized among top-performing community banks nationally, with multiple industry awards.
Continued investment in business lines such as food, agribusiness, diversified industry, and technology to support growth.
Total assets grew 14.5% to $4.6B since December 2024, driven by loan and deposit growth.
Financial highlights
Net income for Q3 2025 was $16.3M, up from $14.5M in Q2 2025 and $10.9M in Q3 2024; EPS rose to $0.77.
Net interest margin improved to 3.56% from 3.53% in Q2 2025 and 3.37% in Q3 2024.
Efficiency ratio improved to 40.13% for Q3 2025 from 43.37% in Q3 2024.
Non-interest income rose to $2 million, mainly from swap referral fees and higher loan-related fees.
Non-interest expense increased by $900,000, mainly due to higher salaries and Bay Area expansion.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on commercial real estate and business banking.
Margin expansion of 1-3 bps expected in Q4, with further benefit from rate cuts as deposit costs reprice.
Efficiency ratio is expected to improve further as investments in infrastructure yield benefits.
Continued focus on organic growth, with M&A only considered for highly opportunistic deals.
No significant impact expected from recent tax law changes or pending accounting standards.
Non-wholesale deposit growth sustainability?
Details on downgraded CRE loan risk?
Future of venture fund & swap fee income?
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Next Five Star Bancorp earnings date
Q4 202527 Jan, 2026
Next Five Star Bancorp earnings date
Q4 202527 Jan, 2026
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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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