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	Jun '26 Jun 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	247.95	229.21	193.34	162.71	111.8	78.89
Interest Income on Investments	22.99	19.72	13.61	11.67	6.12	2.69
Total Interest Income	270.94	248.93	206.95	174.38	117.92	81.58
Interest Paid on Deposits	95.34	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	99.99	97.03	87.24	63.5	14.85	3.97
Net Interest Income	170.95	151.91	119.71	110.88	103.07	77.61
Net Interest Income Growth	27.23%	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	6.28	5.54	4.46	5.15	3.75	2.05
Total Non-Interest Income	6.88	6.54	6.45	7.51	7.16	7.28
Non-Interest Income Growth	10.70%	1.27%	-14.09%	4.95%	-1.69%	-21.74%
Revenues Before Loan Losses	177.83	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	167.61	148.74	119.21	114.39	103.53	83.19
Revenue Growth	26.85%	24.77%	4.22%	10.49%	24.45%	26.99%
Salaries and Employee Benefits	40.98	36.43	30.55	26.14	21.47	18.39
Occupancy Expenses	1.46	1.06	0.94	0.96	0.93	1.8
Federal Deposit Insurance	2.16	1.95	1.64	1.56	0.85	0.7
Selling, General & Administrative	17.12	16.21	13.34	11.22	9.69	9.17
Other Non-Interest Expense	9.53	9.37	8.03	7.91	7.72	5.99
Total Non-Interest Expense	71.25	65.01	54.49	47.78	40.67	36.04
EBT Excluding Unusual Items	96.36	83.73	64.72	66.62	62.86	47.15
Pretax Income	96.36	83.73	64.72	66.62	62.86	47.15
Income Tax Expense	24.36	22.13	19.05	18.88	18.06	4.71
Net Income	72.01	61.61	45.67	47.73	44.8	42.44
Net Income to Common	72.01	61.61	45.67	47.73	44.8	42.44
Net Income Growth	38.80%	34.89%	-4.32%	6.55%	5.56%	18.13%
Basic Shares Outstanding	21	21	20	17	17	15
Diluted Shares Outstanding	21	21	20	17	17	15
Shares Change	0.26%	5.29%	17.56%	0.13%	14.47%	49.01%
EPS (Basic)	3.39	2.90	2.27	2.78	2.62	2.83
EPS (Diluted)	3.38	2.90	2.26	2.78	2.61	2.83
EPS Growth	38.58%	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	Jun '26 Jun 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	0.950	0.850	0.800	0.800	0.600	0.450
Dividend Growth	18.75%	6.25%	0%	33.33%	33.33%	-82.89%
Effective Tax Rate	25.27%	26.42%	29.43%	28.34%	28.73%	9.98%

SEC Filings: 10-K · 10-Q