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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Five Star Bancorp
Five Star Bancorp (FSBC) investor relations material
Five Star Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 2026 net income was $21.9M, versus $19.4M in Q2 and $16.3M in Q3 2025; diluted EPS was $0.92.
Loans held for investment grew $184.5M QoQ to $4.70B; deposits totaled $4.82B and assets reached $5.56B.
A July public offering generated $130.0M in net proceeds, supporting growth and lifting CET1 to 12.52% from 9.97% QoQ.
Financial highlights
Net interest income was $50.9M, up 10.51% QoQ and 29.42% YoY; pretax income was $29.5M, up 13.19% QoQ and 32.81% YoY.
Q3 basic and diluted EPS were $0.92, versus $0.77 a year earlier; 9M net income was $59.9M and EPS was $2.70.
Non-interest income was $1.7M; non-interest expense was $20.6M, up 24.19% YoY, mainly reflecting staffing and expansion costs.
Tangible book value per share was $25.15, versus $22.14 at June 30, 2026 and $20.19 at September 30, 2025.
Outlook and guidance
Loan growth guidance was 10%–12% for Q4 2026 and 2027; management cited a strong pipeline, with some slowdown in real estate acquisition financing.
NIM was expected to remain in a 3.65%–3.75% range; repricing and balance-sheet growth may partly offset higher funding costs.
Q4 expenses may be ~$200,000 above the Q3 run rate; ongoing expense guidance was 145–150 bps of average assets.
Management expected continued investment in personnel, technology and infrastructure, with efficiency expected to improve over time.
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Latest events from Five Star Bancorp
- Rapid loan and asset growth lifted 2022 earnings, with credit quality remaining strong.FSBC
Q4 2022 - Net income rose 18.1% as loans and deposits grew 29.0% and 28.1%.FSBCQ4 2021
- Annual earnings rose as loan growth met Q4 margin pressure and significant CRE concentration.FSBCQ4 2023
- Q2 2026 net income grew 33.7% year-over-year to $19.4M, with robust loan and deposit growth.FSBCQ2 2026
- Q1 2026 net income up 42% to $18.6M, with strong loan, deposit, and margin growth.FSBCQ1 2026
- Annual meeting to elect 10 directors and ratify Baker Tilly US LLP as auditor, with a focus on governance and ESG.FSBCProxy filing
- Shareholders will vote on 10 directors and auditor ratification at the May 21, 2026 meeting.FSBCProxy filing
- Net income rose 35% to $61.6M in 2025, with strong loan and deposit growth and higher efficiency.FSBCQ4 2025
- Q2 2024 net income was $10.8M, with strong growth, margin gains, and capital strength.FSBCQ2 2024
Next Five Star Bancorp earnings date
Q4 202625 Jan, 2027
Five Star Bancorp
Next Five Star Bancorp earnings date
Q4 202625 Jan, 2027
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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.