Five Star Bancorp (FRA:4F6)

Five Star Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	248.93	193.34	162.71	111.8	78.89
Interest Income on Investments	-	13.61	11.67	6.12	2.69
Total Interest Income	248.93	206.95	174.38	117.92	81.58
Interest Paid on Deposits	97.03	82.4	57.86	10.92	2.2
Interest Paid on Borrowings	-	4.84	5.64	3.93	1.77
Total Interest Expense	97.03	87.24	63.5	14.85	3.97
Net Interest Income	151.91	119.71	110.88	103.07	77.61
Net Interest Income Growth (YoY)	26.89%	7.96%	7.58%	32.80%	19.02%
Gain (Loss) on Sale of Investments	-	-	-0.17	0.01	0.72
Other Non-Interest Income	5.54	4.46	5.15	3.75	2.05
Total Non-Interest Income	6.54	6.45	7.51	7.16	7.28
Non-Interest Income Growth (YoY)	1.27%	-14.09%	4.95%	-1.69%	-21.74%
Revenues Before Loan Losses	158.44	126.16	118.39	110.23	84.89
Provision for Loan Losses	9.7	6.95	4	6.7	1.7
Revenue	148.74	119.21	114.39	103.53	83.19
Revenue Growth (YoY)	24.77%	4.22%	10.49%	24.45%	26.99%
Salaries and Employee Benefits	37.89	30.55	26.14	21.47	18.39
Occupancy Expenses	2.78	2.52	2.19	2.03	1.8
Federal Deposit Insurance	1.95	1.64	1.56	0.85	0.7
Selling, General & Administrative	13.02	11.77	9.98	8.6	9.17
Other Non-Interest Expense	9.37	8.03	7.91	7.72	5.99
Total Non-Interest Expense	65.01	54.49	47.78	40.67	36.04
EBT Excluding Unusual Items	83.73	64.72	66.62	62.86	47.15
Pretax Income	83.73	64.72	66.62	62.86	47.15
Income Tax Expense	22.13	19.05	18.88	18.06	4.71
Net Income	61.61	45.67	47.73	44.8	42.44
Net Income to Common	61.61	45.67	47.73	44.8	42.44
Net Income Growth	34.89%	-4.32%	6.55%	5.56%	18.13%
Basic Shares Outstanding	21	20	17	17	15
Diluted Shares Outstanding	21	20	17	17	15
Shares Change (YoY)	5.29%	17.56%	0.13%	14.47%	49.01%
EPS (Basic)	2.90	2.27	2.78	2.62	2.83
EPS (Diluted)	2.90	2.26	2.78	2.61	2.83
EPS Growth	28.32%	-18.70%	6.51%	-7.77%	-20.73%
Dividend Per Share	0.800	0.800	0.800	0.600	0.450
Dividend Growth	-	-	33.33%	33.33%	-82.89%
Effective Tax Rate	26.42%	29.43%	28.34%	28.73%	9.98%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.