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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.
Achieved strong organic growth in loans and core deposits, driven by differentiated client experience and expansion in Northern California and the Bay Area, including a new full-service office in Walnut Creek.
Celebrated 25th anniversary and recognized among top-performing community banks nationally, with multiple industry awards for performance and leadership.
Continued investment in business lines such as food and agribusiness, diversified industry, and technology to support growth.
Loan portfolio is geographically diversified, with 57.3% in California and the remainder spread across several states.
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 from $0.68 in Q2 and $0.52 year-over-year.
Net interest margin improved to 3.56% from 3.53% in Q2 2025 and 3.37% in Q3 2024.
Efficiency ratio was 40.13% for Q3 2025, down from 41.03% in Q2 2025 and 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
Deposit and loan pipelines remain strong, but Q4 deposit growth expected at 1%-2%, lower than Q3.
Margin expansion of 1-3 bps expected in Q4, with further benefit from rate cuts as deposit costs reprice.
Management remains focused on organic growth, technology investment, and prudent risk management to sustain momentum into Q4 2025.
All capital ratios remain above well-capitalized regulatory thresholds.
No significant impact expected from recent federal tax law changes on future financial statements.
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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