Five Star Bancorp reported net income of USD 17.6 million for the fourth quarter (Q4) ended 31 December 2025. Basic and diluted earnings per common share for Q4 2025 were USD 2.90. For the full year (FY) 2025, net income was USD 61.6 million. Total loans held for investment increased by 15 percent in FY 2025 to USD 4.2 billion, and total deposits rose by 18 percent to USD 4.3 billion. Non-wholesale deposits grew by 25 percent in FY 2025 to USD 3.7 billion, while wholesale deposits decreased by 17 percent to USD 0.5 billion. The company’s efficiency ratio improved to 41.03 percent in FY 2025 from 43.19 percent in FY 2024. Weighted average basic common shares outstanding were 21,224,788 in Q4 2025, and shares outstanding at the end of the period were 21,367,387. Five Star Bancorp also reported a decrease in cost of funds by 21 basis points from Q3 to Q4 2025 and by 17 basis points year-over-year.

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 GlobeNewswire (Ref. ID: GNW9642785-en) on January 26, 2026, and is solely responsible for the information contained therein.