Five Star Bancorp (NAS:FSBC)

Q2 2025 Five Star Bancorp Earnings Call Transcript

Jul 24, 2025 / 05:00 PM GMT

Release Date Price: $29.67 (-2.47%)

Transcript 10-Q8-K

Key Points

Positve

Five Star Bancorp (FSBC) reported a net income of $14.5 million and earnings per share of $0.68 for the second quarter of 2025.
The company achieved a return on average assets of 1.37% and a return on average equity of 14.17%.
Net interest margin expanded by 8 basis points to 3.53%, and the cost of total deposits declined by 2 basis points to 2.46%.
Loan growth was strong, with loans held for investment increasing by $136.2 million or 15% on an annualized basis.
Deposit growth was robust, with an increase of approximately $158.3 million or 17% on an annualized basis.

Negative

A $2.5 million provision for credit losses was recorded during the quarter.
Non-interest expense grew by $700,000 due to increases in business travel, conferences, training, and promotional expenses.
The increase in total liabilities was primarily due to the rise in both interest-bearing and non-interest-bearing deposits.
A commercial real estate loan was put on non-accrual status, contributing to a half-million-dollar increase in non-performing loans.
The company anticipates additional expenses related to the opening of the Walnut Creek office, estimated to add $500,000 to $750,000 in the next quarter.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FSBC.OQ - Five Star Bancorp
Q2 2025 Five Star Bancorp Earnings Call
Jul 24, 2025 / 05:00PM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to the 5-star Bancorp 2nd quarter earnings webcast.

Please note, this is a closed conference call and you are encouraged to listen via the webcast.

After today's presentation, there will be an opportunity for those provided with a dial-in number to ask questions.

To ask a question, you may press star and then 1 on your telephone keypad. To withdraw your questions, you may press star and 2.

Before we get started, we would like to remind you that today's meeting will include some forward-looking statements within the meaning of applicable securities laws.

These forward-looking statements relate to, among other things, current plans, expectations, events, and industry trends that may

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