Five Star Bancorp
F:4F6
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
Five Star Bancorp
F:4F6
|
US |
|
Nu Holdings Ltd
BMV:NUN
|
KY |
|
U
|
Uniqa Insurance Group AG
VSE:UQA
|
AT |
Five Star Bancorp
Five Star Bancorp is the parent company of Five Star Bank, a community bank that takes deposits and makes loans, mainly in Northern California. It serves small and mid-sized businesses, professionals, real estate investors, and individual customers that want a local banking relationship rather than a large national-bank setup. The bank earns most of its money the traditional way: it pays interest on deposits, lends that money out at higher rates, and also collects fees from services such as cash management and other business banking products. Its core products include commercial loans, real estate loans, deposit accounts, and treasury services for businesses. What makes the business model different is its focus on relationship banking and local credit decisions. Instead of trying to be a broad national consumer brand, Five Star Bancorp makes money by knowing its borrowers well, staying close to local markets, and serving customers who value speed, personal service, and a bank that understands the area it lends in.
Five Star Bancorp is the parent company of Five Star Bank, a community bank that takes deposits and makes loans, mainly in Northern California. It serves small and mid-sized businesses, professionals, real estate investors, and individual customers that want a local banking relationship rather than a large national-bank setup.
The bank earns most of its money the traditional way: it pays interest on deposits, lends that money out at higher rates, and also collects fees from services such as cash management and other business banking products. Its core products include commercial loans, real estate loans, deposit accounts, and treasury services for businesses.
What makes the business model different is its focus on relationship banking and local credit decisions. Instead of trying to be a broad national consumer brand, Five Star Bancorp makes money by knowing its borrowers well, staying close to local markets, and serving customers who value speed, personal service, and a bank that understands the area it lends in.
Strong growth: Five Star Bancorp said Q1 2026 was another strong quarter, with EPS of $0.87, net income of $18.6 million, and double-digit annualized loan and deposit growth.
Funding mix shift: Deposits grew sharply, helped by a $350.2 million increase in non-wholesale deposits that more than offset an $81.9 million decline in wholesale deposits.
Margin held up: Net interest margin improved to 3.70% from 3.66% last quarter, and management expects it to stay roughly in a 3.70% to 3.75% range.
Credit remained clean: Asset quality stayed strong, with nonperforming loans at just 7 basis points of total loans and credit losses provisioned mainly for growth.
Expansion mode: Management highlighted strong early traction in Southern California and said the bank will keep hiring and investing, with expenses expected to remain elevated as it expands.
