Five Star Bancorp Announces Second Quarter 2026 Results

About this update from Five Star Bancorp

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"},{"type":"text","tagName":"p","content":" Second Quarter Highlights "},{"type":"text","tagName":"p","content":" Performance and operating highlights for the Company for the periods noted below included the following: "},{"type":"table","items":[{"val":[{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" Three months ended "}]}]},{"val":[{"val":[{"type":"text","tagName":"p","content":" (in thousands, except per share and share data) "}]},{"val":[{"type":"text","tagName":"p","content":" June 30, 2026 "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" March 31, 2026 "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" June 30, 2025 "}]}]},{"val":[{"val":[{"type":"text","tagName":"p","content":" Return on average assets (\"ROAA\") "}]},{"val":[{"type":"text","tagName":"p","content":" 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measure. "},{"type":"text","tagName":"p","content":" James E. Beckwith, President and Chief Executive Officer, commented: "},{"type":"text","tagName":"p","content":" \"Five Star Bank's differentiated customer experience and reputation continue to power demand for our services. In the second quarter of 2026, we are pleased that net income increased to $19.4 million, compared to $18.6 million for the first quarter of 2026, and earnings per share increased to $0.91, up $0.04 from the first quarter of 2026 and up $0.23 from the second quarter of 2025. Net interest margin decreased by seven basis points to 3.63%. Total loans held for investment increased by $306.3 million, or 7% (approximately 29% when annualized), and total deposits increased by $330.0 million, or 7% (approximately 30% when annualized). We are also pleased with the continued execution of our strategic plan, including the payment of a cash dividend of $0.25 per share to shareholders. In the second quarter, Five Star Bank was honored to be named the Best Place to Work by the San Francisco Business Times, ranking first overall among participating businesses with 25 to 49 employees in the San Francisco Bay Area. This recognition reflects our purpose-driven culture, which is a meaningful differentiator and an important contributor to our continued performance. I am proud of our team's accomplishments and look forward to the continued momentum of our organic growth story.\" "},{"type":"text","tagName":"p","content":" Financial highlights as of and during the three months ended June 30, 2026 included the following: "},{"type":"list","bulletedList":true,"items":[{"val":[{"type":"text","tagName":"p","content":" Total deposits increased by $330.0 million, or 7.38%, during the three months ended June 30, 2026, with growth in non-wholesale deposits exceeding declines in wholesale deposits. The Company defines wholesale deposits as brokered deposits and California Time Deposit Program deposits. During the three months ended June 30, 2026, non-wholesale deposits increased by $463.1 million, or 11.33%, and wholesale deposits decreased by $133.1 million, or 34.74%. "}]},{"val":[{"type":"text","tagName":"p","content":" The number of Business Development Officers increased from 43 at March 31, 2026 to 45 at June 30, 2026. "}]},{"val":[{"type":"text","tagName":"p","content":" Cash and cash equivalents were $685.1 million, representing 14.27% of total deposits at June 30, 2026, as compared to 14.42% at March 31, 2026. "}]},{"val":[{"type":"text","tagName":"p","content":" Consistent, disciplined management of expenses contributed to our efficiency ratio of 40.91% for the three months ended June 30, 2026, as compared to 38.57% for the three months ended March 31, 2026 and 41.03% for the three months ended June 30, 2025. "}]},{"val":[{"type":"text","tagName":"p","content":" Net interest margin expanded by 10 basis points year-over-year, increasing from 3.53% for the three months ended June 30, 2025 to 3.63% for the three months ended June 30, 2026, demonstrating the Company's ability to grow its margin even as the effective federal funds rate declined 70 basis points over the same period from 4.33% at June 30, 2025 to 3.63% at June 30, 2026. Net interest margin for the three months ended June 30, 2026 contracted by seven basis points from 3.70% for the three months ended March 31, 2026, reflecting that strong quarter-over-quarter growth in net interest income was primarily volume driven, as rapid balance sheet expansion modestly diluted the overall yield on earning assets. "}]},{"val":[{"type":"text","tagName":"p","content":" Other comprehensive income was $0.7 million during the three months ended June 30, 2026. Unrealized losses, net of tax effect, on available-for-sale securities were $9.4 million as of June 30, 2026. Total carrying value of held-to-maturity and available-for-sale securities represented 0.04% and 1.72% of total interest-earning assets, respectively, as of June 30, 2026. "}]},{"val":[{"type":"text","tagName":"p","content":" The Company's common equity Tier 1 capital ratio was 9.98% and 10.45% as of June 30, 2026 and March 31, 2026, respectively. The Bank continues to meet all requirements to be considered \"well-capitalized\" under applicable regulatory guidelines. "}]},{"val":[{"type":"text","tagName":"p","content":" Loan and deposit growth as of the dates provided below was as follows: "}]}]},{"type":"table","items":[{"val":[{"val":[{"type":"text","tagName":"p","content":" (in thousands) "}]},{"val":[{"type":"text","tagName":"p","content":" June 30, 2026 "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" March 31, 2026 "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" $ Change "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" % Change "}]}]},{"val":[{"val":[{"type":"text","tagName":"p","content":" Loans held for investment "}]},{"val":[{"type":"text","tagName":"p","content":" $ "}]},{"val":[{"type":"text","tagName":"p","content":" 4,519,681 "}]},{"val":[{"type":"text","tagName":"p","content":" "}]},{"val":[{"type":"text","tagName":"p","content":" $ 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The balance of the loan is $11.4 million as of June 30, 2026 and was originally downgraded to substandard in 2025. "}]},{"val":[{"type":"text","tagName":"p","content":" The Company's Board of Directors declared, and the Company subsequently paid, a cash dividend of $0.25 per share during the three months ended June 30, 2026. The Company's Board of Directors declared an additional cash dividend of $0.25 per share on July 16, 2026, which the Company expects to pay on August 10, 2026 to shareholders of record as of August 3, 2026. "}]}]},{"type":"text","tagName":"p","content":" Summary Results "},{"type":"text","tagName":"p","content":" Three months ended June 30, 2026, as compared to three months ended March 31, 2026 "},{"type":"text","tagName":"p","content":" The Company's net income was $19.4 million for the three months ended June 30, 2026, as compared to $18.6 million for the three months ended March 31, 2026. Net interest income increased by $2.6 million during the three months ended June 30, 2026, as compared to the three months ended March 31, 2026, primarily due to an increase in interest income driven by loan growth and higher interest-earning deposits in banks, partially offset by an increase in interest expense driven by deposit growth. The provision for credit losses decreased by $0.4 million during the three months ended June 30, 2026, as compared to the three months ended March 31, 2026, reflecting lower loss estimates driven by strong loan growth concentrated in pools with relatively lower loss rates. Non-interest income increased by $0.2 million during the three months ended June 30, 2026, as compared to the three months ended March 31, 2026, primarily due to an overall improvement in earnings related to investments in venture-backed funds, partially offset by lower fees from swap referrals, and the absence of a special FHLB stock dividend. Non-interest expense increased by $2.2 million during the three months ended June 30, 2026, as compared to the three months ended March 31, 2026, primarily due to a $1.0 million loss contingency release on a U.S. Small Business Administration (\"SBA\") loan that benefitted the three months ended March 31, 2026, which did not reoccur during the three months ended June 30, 2026, as well as higher advertising, promotional, data processing, and software expenses tied to continued organizational growth. "},{"type":"text","tagName":"p","content":" Three months ended June 30, 2026, as compared to three months ended June 30, 2025 "},{"type":"text","tagName":"p","content":" The Company's net income was $19.4 million for the three months ended June 30, 2026, as compared to $14.5 million for the three months ended June 30, 2025. Net interest income increased by $9.6 million during the three months ended June 30, 2026, as compared to the three months ended June 30, 2025, primarily due to an increase in interest income driven by loan growth and higher interest-earning deposits in banks, partially offset by an increase in interest expense driven by deposit growth, though moderated by a decrease in the average cost of deposits. The provision for credit losses decreased by $0.3 million, reflecting lower net charge-offs in the three months ended June 30, 2026 compared to the three months ended June 30, 2025. Non-interest income increased by $0.1 million during the three months ended June 30, 2026, as compared to the three months ended June 30, 2025, primarily reflecting higher loan referral income and fees from swap referrals, as well as an overall improvement in earnings related to investments in venture-backed funds. These increases were partially offset by lower FHLB stock dividends and an intentional reduction in gain on sale of loans. Non-interest expense increased by $3.9 million during the three months ended June 30, 2026, as compared to the three months ended June 30, 2025, driven primarily by increased salaries and employee benefits from increased headcount, along with growth in other operating expenses reflecting continued organizational expansion. 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