Q3 2025 Earnings Growth and Operational Highlights

Five Star Bancorp reported strong third quarter 2025 results with net income of $16.3 million, representing a 12.7% increase from Q2 2025 and 49.4% year-over-year growth. Key drivers included a $129.2 million (3.44%) quarterly loan growth and $359 million increase in non-wholesale deposits. The net interest margin improved to 3.56% (+3bps QoQ) while maintaining strong credit quality with nonperforming loans at 0.05% of total loans. Operational efficiency improved as the efficiency ratio declined to 40.13% from 41.03% in the prior quarter. The company declared a $0.20 per share quarterly dividend and expanded its Bay Area presence with a new Walnut Creek branch. Asset growth remained robust with total assets reaching $4.64 billion (+14.5% YTD), supported by $426.7 million in annual loan growth and $545.4 million deposit growth since December 2024.