$FSBC
FIVE STAR BANCORP
CIK:0001275168|SEC Filings
CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands |
Jun. 30, 2026 |
Dec. 31, 2025 |
|---|---|---|
| ASSETS | ||
| Cash and due from financial institutions | $ 45,966 | $ 33,978 |
| Interest-bearing deposits in banks | 639,108 | 472,873 |
| Cash and cash equivalents | 685,074 | 506,851 |
| Time deposits in banks | 0 | 100 |
| Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at June 30, 2026 and December 31, 2025 (amortized cost of $103,308 and $107,197 at June 30, 2026 and December 31, 2025, respectively) | 90,584 | 94,699 |
| Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at June 30, 2026 and December 31, 2025 (fair value of $1,927 and $1,995 at June 30, 2026 and December 31, 2025, respectively) | 2,135 | 2,190 |
| Loans held for investment | 4,519,681 | 4,074,929 |
| Allowance for credit losses | (47,335) | (44,409) |
| Loans held for investment, net of allowance for credit losses | 4,472,346 | 4,030,520 |
| Federal Home Loan Bank of San Francisco (“FHLB”) stock | 15,000 | 15,000 |
| Operating leases, right-of-use asset, net | 10,138 | 10,802 |
| Premises and equipment, net | 2,333 | 2,109 |
| Bank-owned life insurance, net | 28,759 | 23,910 |
| Interest receivable and other assets | 70,693 | 68,680 |
| Total assets | 5,377,062 | 4,754,861 |
| Deposits: | ||
| Non-interest-bearing | 1,174,406 | 1,084,537 |
| Interest-bearing | 3,624,977 | 3,116,547 |
| Total deposits | 4,799,383 | 4,201,084 |
| Subordinated notes, net | 74,114 | 74,041 |
| Operating lease liability | 11,262 | 11,872 |
| Interest payable and other liabilities | 18,532 | 22,032 |
| Total liabilities | 4,903,291 | 4,309,029 |
| Commitments and contingencies (Note 8) | ||
| Shareholders’ equity: | ||
| Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at June 30, 2026 and December 31, 2025 | 0 | 0 |
| Common stock, no par value; 100,000,000 shares authorized; 21,402,864 shares issued and outstanding at June 30, 2026; 21,367,387 shares issued and outstanding at December 31, 2025 | 304,868 | 303,990 |
| Retained earnings | 178,318 | 150,985 |
| Accumulated other comprehensive loss, net of taxes | (9,415) | (9,143) |
| Total shareholders’ equity | 473,771 | 445,832 |
| Total liabilities and shareholders’ equity | $ 5,377,062 | $ 4,754,861 |