Five Star Bancorp has announced its financial results for the second quarter of 2025, showcasing a substantial increase in net income and earnings per share compared to the previous year. The company reported a net income of $14.508 million, marking a 34.56% increase from $10.782 million in the same period last year. Earnings per common share were $0.68, up from $0.51, reflecting a 33.33% increase. Net interest income rose to $36.515 million, a 25.52% increase from $29.092 million in the previous year. Non-interest income also saw a 15.07% increase, reaching $1.81 million compared to $1.573 million in the previous year. Pre-tax income increased by 32.65% to $20.099 million from $15.152 million. The provision for credit losses saw a 25% increase, amounting to $2.5 million from $2 million last year. Non-interest expenses climbed to $15.726 million, a 16.38% rise from $13.513 million in the prior year. Performance ratios also showed improvement, with the return on average assets (ROAA) increasing to 1.37% from 1.23%, and the return on average equity (ROAE) rising to 14.17% from 11.72%. The net interest margin improved to 3.53% from 3.39%. Five Star Bancorp's effective tax rate was reported at 27.82% for the quarter ending June 30, 2025, compared to 28.84% in the same quarter of the previous year. The company will host a webcast on July 24, 2025, to discuss these results with analysts and investors.