Five Star Bancorp (FSBC) Registration Filing summary

Company overview and business model

• Headquartered in the Sacramento area, operates as a bank holding company through a California state-chartered bank subsidiary, serving Northern California since 1999.

• Offers a broad range of banking products to small and medium-sized businesses, professionals, and individuals via nine branches.

• Focuses on real estate, agricultural, faith-based, and SME sectors, with a mission centered on service and community value.

• As of September 30, 2025, reported $4.6B in assets, $3.9B in loans, and $4.1B in deposits.

Financial performance and metrics

• Financial data and risk factors are incorporated by reference from recent SEC filings, including the 2024 10-K and 2025 quarterly reports.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for purposes specified in future prospectus supplements, potentially including general corporate purposes.