Five Star Bancorp (FSBC) releases Q4 and full-year 2025 results, sets call

Rhea-AI Filing Summary

Five Star Bancorp filed a current report to share that it has released its financial results for the quarter and year ended December 31, 2025. The company issued a press release describing its results of operations and financial condition, which is included as Exhibit 99.1. These materials provide details on how the bank performed over the most recent quarter and the full year.

The company also scheduled an earnings call for January 27, 2026, to discuss its fourth quarter and year-end 2025 financial results, supported by an investor presentation attached as Exhibit 99.2. Both the press release and presentation are being furnished for informational purposes and are not treated as filed financial statements under securities laws.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549 

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): January 26, 2026

FIVE STAR BANCORP

(Exact Name of Registrant as Specified in Charter) 

California

001-40379

75-3100966

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

3100 Zinfandel Drive, Suite 100, Rancho Cordova, California, 95670

(Address of Principal Executive Offices, and Zip Code)

(916) 626-5000

Registrant’s Telephone Number, Including Area Code

Not Applicable

(Former Name or Former Address, if Changed Since Last Report) 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

☐ Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, no par value per share			FSBC			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☑

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition

On January 26, 2026, Five Star Bancorp (the “Company”) issued a press release announcing its results of operations and financial condition for the quarter and year ended December 31, 2025. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

This information (including Exhibit 99.1) is being furnished under Item 2.02 hereof and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 7.01    Regulation FD Disclosure

The Company is conducting an earnings call on January 27, 2026 at 10:00 AM PT/1:00 PM ET to discuss its fourth quarter and year end 2025 financial results. A copy of the investor presentation to be used during the earnings call is attached to this Current Report on Form 8-K as Exhibit 99.2 and is incorporated herein by reference.

This information (including Exhibit 99.2) is being furnished under Item 7.01 hereof and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the Securities Act, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01    Financial Statements and Exhibits

(d) Exhibits

Number									Description
99.1									Press Release dated January 26, 2026
99.2									Fourth Quarter and Year End 2025 Investor Presentation, dated January 27, 2026
104									Cover Page Interactive Data File (embedded within the Inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			FIVE STAR BANCORP
			By:			/s/ Heather C. Luck
						Name: Heather C. Luck
						Title: Executive Vice President and Chief Financial Officer
Date: January 26, 2026

FAQ

What did Five Star Bancorp (FSBC) disclose in this 8-K filing?

Five Star Bancorp disclosed that it issued a press release with its results of operations and financial condition for the quarter and year ended December 31, 2025, and attached that release as Exhibit 99.1.

Which period do Five Star Bancorp’s newly released results cover?

The results discussed in the press release and investor presentation cover the fourth quarter and full year ended December 31, 2025.

Is Five Star Bancorp holding an earnings call for its 2025 results?

Yes. Five Star Bancorp is conducting an earnings call on January 27, 2026, at 10:00 PT/1:00 ET to discuss its fourth quarter and year-end 2025 financial results, using the investor presentation attached as Exhibit 99.2.

What exhibits are included with this Five Star Bancorp (FSBC) 8-K?

The filing includes Exhibit 99.1, a press release dated January 26, 2026, Exhibit 99.2, a fourth quarter and year-end 2025 investor presentation dated January 27, 2026, and Exhibit 104, the cover page interactive data file.

Are the Five Star Bancorp press release and presentation considered filed financial statements?

No. The company states that Exhibits 99.1 and 99.2 are being furnished under Items 2.02 and 7.01 and are not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.

Who signed the Five Star Bancorp 8-K covering the 2025 results?

The report was signed on behalf of Five Star Bancorp by Heather C. Luck, Executive Vice President and Chief Financial Officer, dated January 26, 2026.