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 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.
Five Star Bancorp is conducting a primary offering of common stock under its shelf registration to raise capital for general corporate purposes, support continued growth, invest in Five Star Bank, and fund working capital.
Preliminary unaudited results for the quarter ended June 30, 2026 show net income of $19.4 million, up from $18.6 million in the prior quarter and $14.5 million a year earlier, with diluted EPS of $0.91. Net interest income was $46.1 million and net interest margin was 3.63%. Total assets reached $5.38 billion, loans held for investment $4.52 billion, and deposits $4.80 billion, with annualized second-quarter growth in deposits and loans above 29%. Return on average equity was 16.67%, and tangible book value per share increased to $22.14. Capital ratios remain above regulatory minimums, though the Tier 1 leverage ratio declined to 9.21%. Asset quality metrics weakened as nonperforming loans rose to $13.4 million (0.30% of loans), driven by a single Community Reinvestment Act loan, while the allowance for credit losses increased to $47.3 million. The board declared cash dividends of $0.25 per share in the second quarter and an additional $0.25 per share payable in August 2026.
Five Star Bancorp reported net income of $19.4 million for the three months ended June 30, 2026, up from $18.6 million in the prior quarter and $14.5 million a year earlier. Diluted EPS was $0.91, compared with $0.87 in the first quarter of 2026 and $0.68 in the second quarter of 2025. Return on average assets was 1.49% and return on average equity was 16.67%.
Net interest income rose to $46.1 million, a 6.04% increase sequentially and 26.20% year over year. Net interest margin was 3.63%, down 7 basis points from the prior quarter but up 10 basis points from a year earlier. Loans held for investment reached $4.52 billion, up 7.27% from March 31, 2026 and 20.27% from June 30, 2025, while total deposits were $4.80 billion, up 7.38% quarter over quarter and 14.24% since December 31, 2025.
Asset quality remained conservative but showed some pressure: nonperforming loans increased to 0.30% of loans, primarily due to one $11.4 million Community Reinvestment Act loan placed on non-accrual. The allowance for credit losses was $47.3 million, or 1.05% of loans. The common equity Tier 1 capital ratio stood at 9.98%, and book value per share was $22.14. The board declared cash dividends of $0.25 per share for each of the first two quarters of 2026.
Five Star Bancorp announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share of common stock on July 17, 2026.
The dividend is payable on August 10, 2026 to shareholders of record as of August 3, 2026. Five Star is a bank holding company headquartered in Rancho Cordova, California, operating through Five Star Bank, which has ten branches in California following a new Lodi branch opened in July 2026.
Five Star Bancorp announced the timing of its second quarter 2026 financial results and related investor webcast. The company expects to report results for the quarter ended June 30, 2026 after the stock market closes on July 22, 2026. Management will host a live webcast to review the results at 1:00 PM ET (10:00 AM PT) on July 23, 2026, accessible through the News & Events section of its investor relations website, with an archive available for 90 days.
Five Star Bancorp executive Clifford Aaron Cooper has filed an initial ownership report showing 453 shares of common stock. According to the filing, these 453 shares are unvested awards granted under the Five Star Bancorp 2021 Equity Incentive Plan. The shares are scheduled to vest in equal installments over a three-year period ending on May 21, 2029, as long as Mr. Cooper remains employed by the company on each vesting date.
FIVE STAR BANCORP director and 10% owner Larry Eugene Allbaugh reported changes in his indirect holdings of common stock. The filing highlights a bona fide gift of 150,000 shares from the QSST Subtrust of the Judy Oates‑Holt Irrevocable Trust to her children, where Allbaugh serves as trustee.
After this gift, that QSST Subtrust held 260,695 shares of Five Star Bancorp common stock. Allbaugh has voting and dispositive power as trustee but is not the trust beneficiary and disclaims beneficial ownership of these securities, except to the extent of any pecuniary interest.
The report also updates multiple other indirect holdings through trusts and entities, including positions held via Buzz Oates Group of Companies, Buzz Oates LLC, and several Oates family irrevocable and administrative trusts. In addition, it notes 974 unvested shares granted under the Five Star Bancorp 2021 Equity Incentive Plan, scheduled to vest on December 31, 2026 if Allbaugh continues as a director.