Five Star Bancorp adds chief external affairs EVP
Five Star Bancorp created a Chief External Affairs Officer role and reassigned operations oversight to its CFO, effective September 14, 2026.
Rhea-AI Filing Summary
Five Star Bancorp (FSBC) reported organizational changes and a new executive role focused on community engagement. Effective September 14, 2026, the company appointed Lydia Ramirez as Executive Vice President and Chief External Affairs Officer, a newly created position emphasizing community and external affairs across its California markets.
On the same date, Executive Vice President and Chief Financial Officer Heather Luck was designated to assume oversight of the company’s Operations function in addition to her existing responsibilities, with no change to her compensation as of the filing. Five Star highlighted Ramirez’s extensive banking and community leadership background and noted that this role aligns with recent geographic expansions in California.
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8-K Event Classification
3 items: 5.02, 7.01, 9.01
3 items
Item 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers
Governance
Key personnel changes including departures, elections, or appointments of directors and executive officers.
Item 7.01
Regulation FD Disclosure
Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01
Financial Statements and Exhibits
Exhibits
Financial statements, pro forma financial information, or exhibit attachments filed with this report.
Key Figures
Effective date of appointments: September 14, 2026
Number of bank branches: 10 branches
Press release exhibit number: Exhibit 99.1
3 metrics
Effective date of appointments
September 14, 2026
Date when Lydia Ramirez’s and Heather Luck’s expanded roles became effective
Number of bank branches
10 branches
Five Star Bank branches in California as described in the company overview
Press release exhibit number
Exhibit 99.1
Press release announcing Ramirez’s appointment furnished with the 8-K
Key Terms
Regulation FD, forward-looking statements, Risk Factors, Executive Vice President and Chief External Affairs Officer, +1 more
5 terms
Regulation FD regulatory
"Item 7.01 Regulation FD Disclosure On September 14, 2026"
Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.
forward-looking statements regulatory
"This press release contains forward-looking statements within the meaning"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.
Risk Factors regulatory
"Important factors that could cause actual results to differ materially are set forth under the section entitled “Risk Factors”"
Risk factors are elements or conditions that could cause an investment's value to decrease or lead to potential losses. They are like warning signs or obstacles that can affect the success of an investment, making it uncertain or more unpredictable. Recognizing risk factors helps investors understand the possible challenges and make more informed decisions.
Executive Vice President and Chief External Affairs Officer financial
"appointed Lydia Ramirez as Executive Vice President and Chief External Affairs Officer"
emerging growth company regulatory
"Emerging growth company"
An emerging growth company is a recently public or smaller public firm that qualifies for temporary, lighter regulatory and disclosure rules to reduce the cost and effort of being public. For investors, it means the company may provide less historical financial detail and face fewer reporting requirements than larger firms, so it can grow more quickly but also carries higher uncertainty—like buying a promising early-stage product with fewer user reviews.
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What executive leadership changes did FSBC announce on September 14, 2026?
Five Star Bancorp appointed Lydia Ramirez as Executive Vice President and Chief External Affairs Officer and designated Heather Luck, Executive Vice President and Chief Financial Officer, to oversee the company’s Operations function in addition to her existing CFO responsibilities, both effective September 14, 2026.
What is the new Chief External Affairs Officer role at FSBC?
The Chief External Affairs Officer at Five Star Bancorp will lead the bank’s enterprise-wide external affairs strategy, serving as a direct connection among the bank, its clients, and community partners, with a mandate to listen to local voices, identify evolving needs, and translate insights into responsive partnerships and action.
Did Five Star Bancorp change CFO Heather Luck’s compensation in this 8-K?
No. The company stated that, as of the filing of this report, no change has been made to Ms. Luck’s compensation, even though she has assumed oversight of the Operations function in addition to her existing role as Executive Vice President and Chief Financial Officer.
How does the appointment of Lydia Ramirez relate to FSBC’s growth strategy?
Five Star Bancorp linked Ramirez’s appointment to recent expansions in Lodi, Southern California, and Walnut Creek, stating that the new role supports a belief that responsible growth begins with understanding and being accountable to the communities it serves across California.
How many branches does Five Star Bancorp operate, according to this filing?
Five Star Bancorp reported that its wholly owned banking subsidiary, Five Star Bank, has ten branches in California, reflecting the company’s current physical footprint as it continues to develop community relationships and expand within the state.
What information did FSBC furnish under Regulation FD in this 8-K?
Under Item 7.01 Regulation FD, Five Star Bancorp furnished a press release dated September 14, 2026 announcing Lydia Ramirez’s appointment as Executive Vice President and Chief External Affairs Officer, attached as Exhibit 99.1, and noted it is furnished, not filed, for Exchange Act purposes.
AI-generated analysis. How Rhea-AI works. Not financial advice.
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): September 14, 2026
(Exact Name of Registrant as Specified in Charter)
(State or Other Jurisdiction of Incorporation) | (Commission File Number) | (I.R.S. Employer Identification No.) | ||||||||||||
(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 | ||||||
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 5.02 | Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers | |||||||
Effective September 14, 2026, Five Star Bancorp (the “Company”) appointed Lydia Ramirez to the newly established position of Executive Vice President and Chief External Affairs Officer. Ms. Ramirez previously served as Executive Vice President and Chief Operating Officer of the Company.
In connection with Ms. Ramirez’s transition, effective September 14, 2026, the Company designated Heather Luck, Executive Vice President and Chief Financial Officer, to assume oversight of the Company’s Operations function in addition to her existing responsibilities. Ms. Luck will continue to serve as Executive Vice President and Chief Financial Officer.
The information called for by Items 401(b), 401(d), 401(e) and 404(a) of Regulation S-K with respect to Ms. Luck is set forth in the Company’s Proxy Statement for the 2026 Annual Meeting of Shareholders filed with the Securities and Exchange Commission on March 30, 2026 (the “Proxy Statement”), which information is incorporated herein by reference, except as supplemented by the information set forth herein. There are no arrangements or understandings between Ms. Luck and any other person pursuant to which she has assumed oversight of the Company’s Operations function. There are no family relationships between Ms. Luck and any director or executive officer of the Company. Except as disclosed in the Proxy Statement, there are no transactions involving Ms. Luck that would require disclosure under Item 404(a) of Regulation S-K. As of the filing of this report, no change has been made to Ms. Luck’s compensation.
Item 7.01 Regulation FD Disclosure
On September 14, 2026, the Company issued a press release announcing the appointment of Ms. Ramirez as Executive Vice President and Chief External Affairs Officer.
A copy of the September 14, 2026 press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
This information (including Exhibit 99.1) is being furnished under Item 7.01 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, 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 September 14, 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 Luck | |||||||
Name: Heather Luck | ||||||||
Title: Executive Vice President and Chief Financial Officer | ||||||||
Date: September 17, 2026 | ||||||||
PRESS RELEASE | FOR IMMEDIATE RELEASE | ||||
September 14, 2026 | |||||
Five Star Bancorp Deepens Community Commitment with Appointment
of Lydia Ramirez as Chief External Affairs Officer
New executive role places dedicated expertise behind Five Star Bank’s commitment to listen, partner, and respond to communities across California
RANCHO CORDOVA, California – September 14, 2026 – Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank, today announced the appointment of Lydia Ramirez as Executive Vice President / Chief External Affairs Officer, a newly created role that puts dedicated professional leadership behind the bank’s commitment to community. Ramirez will help ensure local priorities directly inform how Five Star serves clients, invests in partnerships, and grows across California.
Ramirez will lead Five Star’s enterprise-wide external affairs strategy and serve as a direct connection among the bank, its clients, and community partners in current and future markets. Her mandate is clear: listen to local voices, identify evolving needs, and translate those insights into responsive partnerships and meaningful action. The appointment reflects Five Star’s belief that responsible growth begins with understanding—and being accountable to—the communities it serves. This new role follows a string of expansions for Five Star Bank over the past year. Recent expansions to Lodi, Southern California, and Walnut Creek have solidified its growing footprint across the Golden State.
“Our commitment to community must be visible in how we listen, where we invest, and how we act,” said James Beckwith, President and CEO of Five Star. “Creating this role and appointing a trusted professional like Lydia puts expertise, leadership, and accountability behind that commitment. As we continue to expand, Lydia’s banking experience, community relationships, and proven ability to bring people together will help us understand local priorities, respond with purpose, and focus our resources where they can make the greatest impact.”
Ramirez brings nearly two decades of senior-level banking experience in strategic operations, sales management, client advocacy and team leadership, along with deep knowledge of the communities the bank serves. Her board service includes the Sacramento Hispanic Chamber of Commerce, Capital Black Chamber of Commerce, United Way California Capital Region, Valley
Vision, Downtown Sacramento Partnership, Sacramento Food Bank & Family Services and the Sacramento Metropolitan Chamber Political Action Committee (Metro-PAC). She also serves on the advisory boards of the Sacramento State University College of Business Advisory Council and Creciente, a Latinx leadership program.
A 2021 Leadership Sacramento alumna and Class XXVI Senior Fellow of the American Leadership Forum, Ramirez earned bachelor’s degrees in psychology and Spanish from the University of California, Davis, and a Master of Business Administration degree from California State University, Sacramento. She is also a graduate of the California Bankers Association Executive Banking School.
Ramirez has been widely recognized for her leadership, including through honors from the Sacramento Business Journal’s 40 Under 40, Women Who Mean Business and Champions for DE&I; Comstock’s Magazine’s Women in Leadership; the Sacramento Bee’s inaugural Top 25 Latino Change Makers; the Association of Latino Professionals for America’s 50 Most Powerful Latinas; the National Association of Women Business Owners Sacramento Valley Chapter’s Outstanding Women Leaders; the Sac Cultural Hub Media Foundation’s Exceptional Women of Color Award; the Sacramento Hispanic Chamber of Commerce’s Champion Latina Estrella Award; the American Leadership Forum Mountain Valley Chapter’s Exemplary Leaders; and the California Hispanic Chambers of Commerce’s Minerva Empresaria Award.
About Five Star Bancorp
Five Star is a bank holding company headquartered in Rancho Cordova, California. Five
Star operates through its wholly owned banking subsidiary, Five Star Bank. The bank has ten branches in California. For more information, visit https://www.fivestarbank.com.
Special Note Concerning Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections, and statements of the Company’s beliefs concerning future events, business plans, objectives, expected operating results, and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate, or imply future results, performance, or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phrases of similar meaning. The Company cautions that the forward-looking statements are based largely on the Company’s expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company’s control. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company’s control) and are subject to risks and uncertainties, which change over time, and other factors, which could cause actual results to differ materially from those currently anticipated. New risks
and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. If one or more of the factors affecting the Company’s forward-looking information and statements proves incorrect, then the Company’s actual results, performance, or achievements could differ materially from those expressed in, or implied by, forward-looking information and statements contained in this press release. Therefore, the Company cautions you not to place undue reliance on the Company’s forward-looking information and statements. Important factors that could cause actual results to differ materially from those in the forward-looking statements are set forth in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, under the section entitled “Risk Factors,” and other documents filed by the Company with the Securities and Exchange Commission from time to time.
The Company disclaims any duty to revise or update the forward-looking statements, whether written or oral, to reflect actual results or changes in the factors affecting the forward-looking statements, except as specifically required by law.
Investor Contact:
Heather C. Luck, Chief Financial Officer
Five Star Bancorp
(916) 626-5008
hluck@fivestarbank.com
Media Contact:
Shelley R. Wetton, Chief Marketing Officer
Five Star Bancorp
(916) 284-7827
swetton@fivestarbank.com