Five Star Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	260.08	229.21	193.34	162.71	111.8	78.89
Interest Income on Investments	25.19	19.72	13.61	11.67	6.12	2.69
Total Interest Income	285.27	248.93	206.95	174.38	117.92	81.58
Interest Paid on Deposits	98.09	92.38	82.4	57.86	10.92	2.2
Interest Paid on Borrowings	4.65	4.65	4.84	5.64	3.93	1.77
Total Interest Expense	102.74	97.03	87.24	63.5	14.85	3.97
Net Interest Income	182.53	151.91	119.71	110.88	103.07	77.61
Net Interest Income Growth	27.35%	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	6.05	5.54	4.46	5.15	3.75	2.05
Total Non-Interest Income	6.61	6.54	6.45	7.51	7.16	7.28
Non-Interest Income Growth	-2.82%	1.27%	-14.09%	4.95%	-1.69%	-21.74%
Revenues Before Loan Losses	189.14	158.44	126.16	118.39	110.23	84.89
Provision for Loan Losses	10.23	9.7	6.95	4	6.7	1.7
Revenue	178.92	148.74	119.21	114.39	103.53	83.19
Revenue Growth	26.06%	24.77%	4.22%	10.49%	24.45%	26.99%
Salaries and Employee Benefits	43.4	36.43	30.55	26.14	21.47	18.39
Occupancy Expenses	1.7	1.06	0.94	0.96	0.93	1.8
Federal Deposit Insurance	2.33	1.95	1.64	1.56	0.85	0.7
Selling, General & Administrative	17.9	16.21	13.34	11.22	9.69	9.17
Other Non-Interest Expense	9.94	9.37	8.03	7.91	7.72	5.99
Total Non-Interest Expense	75.26	65.01	54.49	47.78	40.67	36.04
EBT Excluding Unusual Items	103.66	83.73	64.72	66.62	62.86	47.15
Pretax Income	103.66	83.73	64.72	66.62	62.86	47.15
Income Tax Expense	26.09	22.13	19.05	18.88	18.06	4.71
Net Income	77.57	61.61	45.67	47.73	44.8	42.44
Net Income to Common	77.57	61.61	45.67	47.73	44.8	42.44
Net Income Growth	35.43%	34.89%	-4.32%	6.55%	5.56%	18.13%
Basic Shares Outstanding	22	21	20	17	17	15
Diluted Shares Outstanding	22	21	20	17	17	15
Shares Change	3.09%	5.29%	17.56%	0.13%	14.47%	49.01%
EPS (Basic)	3.55	2.90	2.27	2.78	2.62	2.83
EPS (Diluted)	3.53	2.90	2.26	2.78	2.61	2.83
EPS Growth	31.01%	28.32%	-18.70%	6.51%	-7.77%	-20.73%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	0.850	0.800	0.800	0.600	0.450
Dividend Growth	25.00%	6.25%	0%	33.33%	33.33%	-82.89%
Effective Tax Rate	25.16%	26.42%	29.43%	28.34%	28.73%	9.98%

SEC Filings: 10-K · 10-Q