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Companies / Financials / Five Star Bancorp
FSBC

Five Star Bancorp

FinancialsBanks & Brokers
Ticker FSBCRANCHO CORDOVA, CAFiscal year ends DecemberBook value per share $27.89Diluted shares 22.1M

Five Star Bancorp (Nasdaq: FSBC) is a bank holding company operating through its wholly owned subsidiary, Five Star Bank, which provides banking services primarily to small and medium-sized businesses, professionals, and individuals in Northern California. Its lending focuses on commercial real estate, alongside… From the company’s description.

Over the twelve months to Sep 30, 2026, Five Star Bancorp reported revenue of $189.14M, up 26.0% from a year earlier, and net income of $77.57M. Its pre-tax margin was 54.8%. In fiscal 2025, it reported revenue of $158.44M, up 25.6% from fiscal 2024, and net income of $61.61M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$158.44MFY2025
+25.6% year over year
Last 12 mo $189.14M
52.85%FY2025
+1.5 percentage points
Last 12 mo 54.80%
$61.61MFY2025
+34.9% year over year
Last 12 mo $77.57M
13.82%FY2025
+2.3 percentage points
Last 12 mo 12.57%
Cash & financing
$72.61MFY2025
+40.2% year over year
Last 12 mo $89.76M
$69.28MFY2025
+43.6% year over year
Last 12 mo $83.73M
9.59FY2025
Was 9.16× a year earlier
Last 12 mo 7.94
21.3MFY2025
+5.3% year over year
Last 12 mo 22.1M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Five Star Bancorp does

In the company’s own words

Five Star Bancorp (Nasdaq: FSBC) is a bank holding company operating through its wholly owned subsidiary, Five Star Bank, which provides banking services primarily to small and medium-sized businesses, professionals, and individuals in Northern California. Its lending focuses on commercial real estate, alongside commercial and construction loans, agricultural lending, SBA loans, and smaller residential and consumer portfolios; deposit products include checking, savings, money market, and term accounts, supported by services such as online and mobile banking. The company serves customers through nine branches, including a Walnut Creek branch opened in 2025, and also makes SBA loans to customers nationwide. Five Star Bancorp reports as a single banking business, with no reportable segments identified in the provided business description. At December 31, 2025, it had $4.8 billion in assets and $4.1 billion in loans held for investment. Five Star Bank began operations in 1999, and the holding company became its sole shareholder in 2003; the company completed its IPO in 2021. Its website is https://www.fivestarbank.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
RANCHO CORDOVA, CA
Fiscal year end
December
CIK
1275168
SIC
6022

Financial performance, year by year

Fiscal 2021–2025 · USD
$-18.91M$37.83M$94.57M$151.31M$208.05M20212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Five Star Bancorp — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

196
funds hold it
0 of 35
superinvestors hold it
$263.87M
held by funds, at market
23.6%
of shares held by funds
1
bond issues held by funds

Largest fund holders · Five Star Bancorp’s weight in each

T. Rowe Price Small-Cap Stock Fund, Inc.
OTCFX · T. ROWE PRICE SMALL-CAP STOCK FUND, INC.
0.48%of fund net assets
T. Rowe Price Institutional Small-Cap Stock Fund
TRSSX · T. Rowe Price Equity Funds, Inc.
0.47%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.03%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Five Star Bancorp’s bonds, as funds hold them

Funds report holding 1 issues of Five Star Bancorp’s debt, $1.11M at market value — what funds hold, not the company’s total debt.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Five Star Bancorp and its peers compare on margins and cash generation over ten years?”
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