Five Star Bancorp reported FY 2025 net income of USD 61.6 million, with net interest income of USD 151.9 million (+26.9%) and a net interest margin of 3.55%. Provision for credit losses was USD 9.7 million. Non-interest income was USD 6.5 million, including USD 0.2 million in gain on sale of loans, while non-interest expense totaled USD 65.0 million. At December 31, 2025, Five Star had total assets of USD 4.8 billion, loans held for investment of USD 4.1 billion, and deposits of USD 4.2 billion. The allowance for credit losses was USD 44.4 million, with nonperforming loans of USD 3.1 million (0.08% of loans held for investment). Capital ratios at year-end included a Bancorp total capital ratio of 13.33% and a Tier 1 leverage ratio of 9.70%. Business highlights included continued organic growth focus and expansion in targeted lines of business (real estate, agricultural, faith-based, and small-to-medium-sized enterprises). Five Star also cited a strategic reduction in loans held for sale originations; during FY 2025 it sold 10 SBA 7(a) loans with government-guaranteed portions totaling about USD 3.3 million, generating a net gain on sale of USD 0.2 million. The company said it expects to continue paying quarterly cash dividends and projected USD 21.4 million of common dividends during 2026.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Five Star Bancorp published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001628280-26-012724), on February 27, 2026, and is solely responsible for the information contained therein.