Five Star Bancorp Q2 net income +34% to $19.4M; $137.9M offering closed post-quarter

Filed August 6, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 7, 2025 · ~1 min read

Key Changes

• high

  Deposits grew $598.3M (14.2%) in H1 2026 vs. $336.6M (9.5%) in H1 2025, with non-wholesale deposits up $813.3M while wholesale deposits fell $215.0M, improving the loan-to-deposit ratio from 97.00% to 94.17%.

  MD&A: Deposits verify on EDGAR →
• medium

  One $11.4M Community Reinvestment Act loan moved to non-accrual during the period (originally downgraded to substandard in 2025), driving total non-accrual loans from $2.3M (0.06%) to $13.4M (0.30%).

  MD&A: Non-Accrual Loans verify on EDGAR →
• high

  Net interest margin improved 10 basis points in Q2 2026 (3.63% vs. 3.53%) and 17 basis points in H1 2026 (3.66% vs. 3.49%), driven by balance sheet growth and a favorable shift in funding mix.

  MD&A: Net Interest Margin verify on EDGAR →