Five Star Bancorp Announces Third Quarter 2026 Results
Five Star Bancorp reported Q3 2026 net income of $21.9 million, up 34% year-over-year from $16.3 million, with diluted EPS of $0.92 up 19.5% from $0.77. Net interest income rose 29% YoY to $50.9 million as net interest margin expanded 13 basis points to 3.69%, while loans held for investment grew 21% YoY to $4.70 billion and the efficiency ratio improved to 39.13%. During the quarter the company completed a public offering of 3,133,750 shares for approximately $130.0 million in net proceeds, lifting the common equity Tier 1 ratio to 12.52% from 9.97% at June 30, 2026.
Key figures
- Eps
- 0.92
- Revenue
- 50926000
- Revenue Yoy
- 29.42% (net interest income)
- Nim
- 3.69%
- Roaa
- 1.55%
- Roae
- 15.04%
- Cet1 ratio
- 12.52%
- Net income
- 21909000
- Total assets
- 5559618000
- Net income qoq
- 12.94%
- Net income yoy
- 34.05%
- Total deposits
- 4824528000
- Loan growth yoy
- 21.02%
- Efficiency ratio
- 39.13%
- Dividend per share
- 0.25
- Book value per share
- 25.15
- Offering net proceeds
- 130000000
- Loans held for investment
- 4704215000
- Nonperforming loans ratio
- 0.28%
AI analysis
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