Welcome to our dedicated page for FIVE STAR BANCORP SEC filings (Ticker: FSBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Five Star Bancorp filings document the regulatory record of a California bank holding company and its wholly owned banking subsidiary, Five Star Bank. Form 8-K reports furnish operating results, financial condition, earnings-call presentations, Regulation FD disclosures, and quarterly cash dividend announcements tied to the company's common stock.
Proxy materials describe annual meeting matters, including director elections and auditor ratification. Other filings disclose governance and compensation arrangements, including change in control agreements for bank executives, along with shareholder-voting and executive-compensation information reported by a public banking company.
Five Star Bancorp director and ten percent owner Larry Eugene Allbaugh reported a bona fide gift of 50,000 shares of common stock on 2026-08-04. The gift was made from the QSST Subtrust of the Judy Oates-Holt Irrevocable Trust to her child, and that trust now holds 210,695 shares, with Mr. Allbaugh serving as trustee. He has voting and dispositive power over several reported indirect holdings, including a living trust position that includes unvested equity awards, but he is not the beneficiary of certain trusts and disclaims beneficial ownership where noted.
Five Star Bancorp reported solid growth for the three and six months ended June 30, 2026. Total assets reached $5.38 billion, up from $4.75 billion at December 31, 2025, driven mainly by loans held for investment of $4.52 billion and deposits of $4.80 billion. Quarterly net income was $19.4 million, compared with $14.5 million a year earlier, and six‑month net income was $38.0 million versus $27.6 million. Basic earnings per share were $0.91 for the quarter and $1.79 year‑to‑date.
Credit quality remained generally sound, with an allowance for credit losses of $47.3 million on loans held for investment and non‑accrual loans of $13.4 million. The bank continued to fund loan growth primarily with core deposits, while time deposits declined and lower‑cost money market balances expanded. Subsequent to quarter‑end, Five Star completed a public offering of 3,133,750 common shares at $44.00 per share, generating approximately $129.9 million of net proceeds under its existing $300.0 million shelf registration.
Five Star Bancorp director and ten percent owner Larry Eugene Allbaugh indirectly purchased 96,591 shares of common stock on July 22, 2026 at $44 per share in open market or private transactions through trusts where he serves as trustee.
After these purchases, the Larry and Laura Allbaugh Living Trust held 507,401 shares, including 974 unvested shares under the 2021 Equity Incentive Plan scheduled to vest on December 31, 2026 if he remains a director. The Oates Administrative Trust held 1,101,687 shares, and additional indirect holdings are reported in various QSST subtrusts and Buzz Oates entities, for many of which Allbaugh disclaims beneficial ownership.
Director Robert Truxtun Perry-Smith purchased 31,363 shares of Five Star Bancorp common stock on July 22, 2026 at $44.00 per share in an open-market or private transaction. After this trade, he indirectly holds 258,898 shares through the Robert T. Perry-Smith Exemption Trust, including 974 unvested shares scheduled to vest on December 31, 2026 if he continues as a director. The Rule 10b5-1 trading plan checkbox was not selected.
Five Star Bancorp director Shannon Deary-Bell purchased 5,682 shares of common stock on July 22, 2026 at $44 per share, held indirectly as trustee of The Bell Family Revocable Trust. After this trade she reports 85,244 shares indirectly owned, including 974 unvested shares scheduled to vest on December 31, 2026 if she remains a director. Earlier records also show a 3,900-share distribution from the estate of Beverly B. Deary, recorded as exempt from Section 16 under Rule 16a-2(d), and holdings in two irrevocable trusts for her children, for which she disclaims beneficial ownership.
Five Star Bancorp director Donna Lucas purchased 1,136 shares of common stock on July 22, 2026 at $44 per share in an open-market or private transaction. The shares are held indirectly through the Lucas Family Trust, where she serves as trustee, bringing her indirect holdings to 14,254 shares, including 974 unvested shares under the 2021 Equity Incentive Plan scheduled to vest on December 31, 2026, contingent on her continued service as director. The filing indicates this trade was not executed under a Rule 10b5-1 trading plan.
Five Star Bancorp director Judson Teichert Riggs, acting as trustee of The Riggs Family Trust, purchased 2,273 shares of common stock on July 22, 2026 at $44 per share in an open-market or private transaction. Following this transaction, the trust’s reported indirect holdings total 87,531 shares, which include 974 unvested shares granted under the Five Star Bancorp 2021 Equity Incentive Plan that are scheduled to vest on December 31, 2026, provided Mr. Riggs continues to serve as a director through that date.
Five Star Bancorp director Kevin Francis Ramos reported purchasing 5,682 shares of common stock on July 22, 2026 at $44.00 per share, held indirectly through the Kevin and Kathleen Ramos Living Trust. After this trade he indirectly holds 177,546 shares in the trust, including 974 unvested shares scheduled to vest on December 31, 2026 if he continues as a director, and also reports 10,000 shares held indirectly via Buzz Oates Group of Companies, for which he disclaims beneficial ownership beyond his pecuniary interest.
Five Star Bancorp entered into an underwriting agreement to conduct an underwritten public offering of 2,725,000 shares of its common stock at $44.00 per share under an effective shelf registration statement on Form S-3. The company granted the underwriters a 30-day option to purchase up to 408,750 additional shares at the same public price, less underwriting discounts and commissions.
After underwriting discounts, commissions and estimated offering expenses, the company expects approximately $112.9 million in net proceeds. It plans to use the funds for general corporate purposes and to support continued growth, including investments in Five Star Bank and working capital. The offering is expected to close on or about July 24, 2026, subject to customary closing conditions.
Five Star Bancorp is conducting a primary offering of 2,725,000 shares of common stock at $44.00 per share, for a gross amount of $119.9 million. Underwriters have a 30‑day option to purchase up to 408,750 additional shares. After underwriting discounts and estimated expenses, net proceeds are estimated at $112.9 million, or $129.9 million if the option is fully exercised, to be used for general corporate purposes, working capital and to support growth via investments in Five Star Bank.
For the quarter ended June 30 2026, preliminary unaudited results show net income of $19.4 million and diluted EPS of $0.91. Net interest income was $46.1 million with a net interest margin of 3.63%. Total assets were $5.38 billion, loans held for investment $4.52 billion, and deposits $4.80 billion. Insured and collateralized deposits were 65.80% of total deposits, and total liquidity was about $2.3 billion. The Tier 1 leverage ratio was 9.21% and total capital to risk‑weighted assets 12.51% as of June 30 2026.