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Five Star Bancorp reports news as a California bank holding company operating through Five Star Bank, a wholly owned banking subsidiary focused on commercial banking. Company updates commonly cover quarterly and annual results, net interest margin, loan and deposit growth, cash dividends on voting common stock, and expansion of banking teams and markets.
The bank serves small and medium-sized businesses, professionals, individuals, and specialized customer groups across industries such as commercial real estate and construction, nonprofits and faith-based organizations, professional services, government, healthcare, food, agribusiness, diversified industries, and venture banking. News may also include community development activity, including Low Income Housing Tax Credit investments.
Five Star Bancorp (Nasdaq: FSBC) priced a previously announced underwritten public offering of 2,725,000 common shares at $44.00 per share. Expected proceeds to the company are approximately $113.6 million after underwriting discounts and commissions, but before offering expenses.
Five Star granted underwriters a 30-day option to purchase up to an additional 408,750 shares at the offering price, less discounts and commissions. According to Five Star, net proceeds will be used for general corporate purposes, to support growth including investments in Five Star Bank, and for working capital. Closing is expected on or about July 24, 2026, subject to customary conditions.
Five Star Bancorp (Nasdaq: FSBC) has launched an underwritten public offering of its common stock and plans to grant underwriters a 30‑day option to purchase additional shares. Keefe, Bruyette & Woods, A Stifel Company, is bookrunner, with Stephens, D.A. Davidson, Raymond James & Associates, and Brean Capital as co‑managers.
According to Five Star, net proceeds are intended for general corporate purposes and to support ongoing growth, including potential investments in Five Star Bank and working capital. The offer is being made under an effective Form S‑3 shelf registration, with a preliminary prospectus supplement filed with the SEC.
Five Star Bancorp (Nasdaq: FSBC) reported second quarter 2026 net income of $19.4 million, up from $18.6 million in Q1 2026 and $14.5 million a year earlier. Basic and diluted EPS were $0.91, compared with $0.87 in Q1 2026 and $0.68 in Q2 2025.
Net interest income rose to $46.1 million, with net interest margin at 3.63%, up 10 bps year-over-year but down 7 bps sequentially. Loans held for investment reached $4.52 billion, up 7.27% quarter-over-quarter and 20.27% year-over-year. Total deposits were $4.80 billion, increasing $330.0 million, or 7.38%, in the quarter, driven by 11.33% growth in non‑wholesale deposits as wholesale balances declined.
ROAA was 1.49% and ROAE 16.67%; the efficiency ratio was 40.91%. The nonperforming loans ratio increased to 0.30% due to one $11.4 million Community Reinvestment Act loan moving to non‑accrual. The common equity Tier 1 capital ratio was 9.98%. According to the company, a $0.25 per share cash dividend was paid in Q2 and another $0.25 dividend was declared for payment on August 10, 2026.
Five Star Bancorp (Nasdaq: FSBC) declared a quarterly cash dividend of $0.25 per share on its voting common stock. The dividend is scheduled to be paid on August 10, 2026, to shareholders of record as of August 3, 2026. Five Star operates through Five Star Bank, which now has ten California branches following a new Lodi branch opened in July 2026.
Five Star Bancorp (Nasdaq: FSBC) announced four key banking hires in Palo Alto to support its San Francisco Bay Area expansion. The new team, drawn from Flagstar Private Bank and First Republic Bank, includes three Senior Vice President / Managing Directors and one Vice President / Senior Relationship Manager.
According to Five Star Bank, these bankers bring decades of experience serving entrepreneurs, venture-backed startups, VC firms, private equity and emerging funds in Silicon Valley. The move complements recent geographic expansions to Lodi, Southern California and Walnut Creek, further extending the company’s California footprint.
Five Star Bancorp (Nasdaq: FSBC) plans to release its financial results for the quarter ended June 30, 2026, after the market close on Wednesday, July 22, 2026.
Management will host a live webcast for analysts and investors on July 23, 2026 at 1:00 PM ET (10:00 AM PT), accessible via the company’s investor relations website under News & Events > Events. The webcast will be archived for 90 days.
Five Star Bancorp (Nasdaq: FSBC) is opening a new full-service Five Star Bank branch in Lodi, California, on July 13, 2026. The move extends its recent Southern California and Walnut Creek expansions and supports its Food, Agribusiness & Diversified Industries vertical in a key Central Valley agricultural and small-business market.
Five Star Bancorp (Nasdaq: FSBC), parent of Five Star Bank, was ranked #1 Best Place to Work by San Francisco Business Times among companies with 25–49 employees in the San Francisco Bay Area.
The employee-voted Quantum Workplace survey highlighted culture, teamwork, leadership access, and community engagement, adding to multiple 2025 regional and industry accolades.
Five Star Bancorp (Nasdaq: FSBC) promoted Cliff Cooper to Executive Vice President / Food, Agribusiness & Diversified Industries President, effective June 10, 2026.
Cooper, with over 35 years of banking experience in food and agribusiness, will continue leading the vertical’s strategic direction, expanding Five Star Bank’s presence across the food supply chain and deepening client relationships in California and beyond.
Five Star Bancorp (Nasdaq: FSBC) reported Q1 2026 net income $18.6M and EPS $0.87. ROAA was 1.55%, ROAE 16.73%, net interest margin 3.70% and efficiency ratio 38.57%. The board declared a $0.25 quarterly cash dividend.
Total deposits rose $268.3M (6.39%), loans held for investment increased $138.5M (3.4%), cash and equivalents were $644.4M, and common equity Tier 1 ratio was 10.45%.