Five Star Bancorp Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw strong growth in loans and deposits, with net income up 6% and EPS at $0.87. Net interest margin improved to 3.70%, and the efficiency ratio strengthened. Management expects 10%-12% balance sheet growth for 2026, with continued focus on core deposits and expansion in Southern California.
Fiscal Year 2025
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Reported robust 2025 growth in loans, deposits, and earnings, with strong asset quality and improved efficiency. Projecting 10% growth in loans and deposits for 2026, while maintaining capital strength and focusing on core deposit growth and market expansion.
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Strong Q3 results featured robust loan and core deposit growth, margin expansion, and stable asset quality. Expansion in the Bay Area and business line diversification supported performance, while guidance points to continued but moderated growth and margin benefits from rate cuts.
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Second quarter 2025 saw strong loan and deposit growth, margin expansion, and robust asset quality. Expansion in the Bay Area and new food and agribusiness verticals support continued growth, with guidance reaffirmed for 10%-12% balance sheet growth in 2025.
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Q1 2025 delivered strong loan and deposit growth, improved net interest margin, and robust asset quality. Management raised loan growth guidance to 10%-12% for the year, expects core deposit growth to keep pace, and remains confident in the bank's resilience and disciplined strategy.
Fiscal Year 2024
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Delivered strong 2024 results with robust loan and deposit growth, stable asset quality, and continued Bay Area expansion. Targeting 8% growth in loans and deposits for 2025, with expectations of margin improvement and operating leverage.
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Q3 2024 saw strong deposit and loan growth, with net income of $10.9 million and stable asset quality. Non-interest-bearing deposits and core relationships expanded, while the BHG loan purchase program reached its cap. Margin is expected to benefit from lower CD rates in 2025.
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Strong Q2 2024 results featured robust loan and deposit growth, improved net interest margin, and successful Bay Area expansion. Capital position strengthened by a public offering, with continued focus on core deposit growth and prudent expense management.