Five Star Bancorp Announces Second Quarter 2026 Results

Five Star Bancorp reported net income of $19.4 million for the second quarter of 2026, an increase from $18.6 million in the first quarter of 2026 and $14.5 million in the second quarter of 2025. Diluted earnings per share were $0.91. The company experienced significant growth in total loans held for investment, increasing by $306.3 million to $4.5 billion, and total deposits, rising by $330.0 million to $4.8 billion. The net interest margin was 3.63%. The company maintained capital ratios above regulatory thresholds and declared a cash dividend of $0.25 per share. Non-interest expense increased due to growth-related costs, while non-interest income saw a slight increase driven by venture-backed fund investments. Asset quality metrics showed a slight increase in nonperforming loans to 0.30%, primarily due to a single loan, while the allowance for credit losses remained robust at 1.05% of total loans.