Five Star Bancorp (FSBC)

Five Star Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	221.01	193.34	162.71	111.8	78.89	71.41
Interest Income on Investments	19.25	13.61	11.67	6.12	2.69	2.99
Total Interest Income	240.26	206.95	174.38	117.92	81.58	74.39
Interest Paid on Deposits	92.28	82.4	57.86	10.92	2.2	7.41
Interest Paid on Borrowings	4.65	4.84	5.64	3.93	1.77	1.77
Total Interest Expense	96.93	87.24	63.5	14.85	3.97	9.18
Net Interest Income	143.33	119.71	110.88	103.07	77.61	65.21
Net Interest Income Growth (YoY)	26.95%	7.96%	7.58%	32.80%	19.02%	22.94%
Gain (Loss) on Sale of Investments	0.3	-	-0.17	0.01	0.72	1.44
Other Non-Interest Income	5.33	4.46	5.15	3.75	2.05	3.35
Total Non-Interest Income	6.8	6.45	7.51	7.16	7.28	9.3
Non-Interest Income Growth (YoY)	1.16%	-14.09%	4.95%	-1.69%	-21.74%	72.48%
Revenues Before Loan Losses	150.13	126.16	118.39	110.23	84.89	74.51
Provision for Loan Losses	8.2	6.95	4	6.7	1.7	9
Revenue	141.93	119.21	114.39	103.53	83.19	65.51
Revenue Growth (YoY)	25.41%	4.22%	10.49%	24.45%	26.99%	23.76%
Salaries and Employee Benefits	34.8	30.55	26.14	21.47	18.39	15.52
Occupancy Expenses	2.61	2.52	2.19	2.03	1.8	1.49
Federal Deposit Insurance	1.87	1.64	1.56	0.85	0.7	1.14
Selling, General & Administrative	13.72	11.77	9.98	8.6	9.17	5.84
Other Non-Interest Expense	8.84	8.03	7.91	7.72	5.99	4.28
Total Non-Interest Expense	61.84	54.49	47.78	40.67	36.04	28.26
EBT Excluding Unusual Items	80.09	64.72	66.62	62.86	47.15	37.26
Pretax Income	80.09	64.72	66.62	62.86	47.15	37.26
Income Tax Expense	22.81	19.05	18.88	18.06	4.71	1.33
Net Income	57.28	45.67	47.73	44.8	42.44	35.93
Net Income to Common	57.28	45.67	47.73	44.8	42.44	35.93
Net Income Growth	32.74%	-4.32%	6.55%	5.56%	18.13%	22.62%
Basic Shares Outstanding	21	20	17	17	15	10
Diluted Shares Outstanding	21	20	17	17	15	10
Shares Change (YoY)	10.78%	17.56%	0.13%	14.47%	49.01%	16.91%
EPS (Basic)	2.70	2.27	2.78	2.62	2.83	3.57
EPS (Diluted)	2.70	2.26	2.78	2.61	2.83	3.57
EPS Growth	19.76%	-18.70%	6.51%	-7.77%	-20.73%	5.00%
Dividend Per Share	0.800	0.800	0.800	0.600	0.450	2.630
Dividend Growth	-	-	33.33%	33.33%	-82.89%	-13.77%
Effective Tax Rate	28.48%	29.43%	28.34%	28.73%	9.98%	3.56%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q