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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
Five Star Bancorp's Net Charge Offs to Average Loans % for the quarter that ended in Mar. 2026 was -0.01%
, which is the same as
-0.01% for the pervious quarter ended in Dec. 2025.
Five Star Bancorp's Net Charge Offs to Average Loans % for the annual that ended in Dec. 2025 was -0.08%
, which is higher than
-0.12% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Five Star Bancorp's Net Charge Offs to Average Loans % or its related term are showing as below:
FSBC's Net Charge Offs to Average Loans % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Net Charge Offs to Average Loans % only.
Five Star Bancorp (NAS:FSBC) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
Five Star Bancorp Net Charge Offs to Average Loans % Related Terms
Five Star Bancorp Net Charge Offs to Average Loans % Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Net Charge Offs to Average Loans % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Five Star Bancorp Net Charge Offs to Average Loans % Chart
FSBC vs CPF, FBAK, MBWM: Net Charge Offs to Average Loans % Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Net Charge Offs to Average Loans %, along with its competitors' market caps and Net Charge Offs to Average Loans % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Five Star Bancorp (NAS:FSBC) Net Charge Offs to Average Loans % Calculation
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans %
=
Net Charge-offs
/
Average Total Loans
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Net Charge Offs to Average Loans % of -0.01% mean?
Five Star Bancorp (FSBC) has a Net Charge Offs to Average Loans % of -0.01% as of Mar. 2026. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Five Star Bancorp and its competitors.
Is Five Star Bancorp's Net Charge Offs to Average Loans % too high?
Five Star Bancorp's current Net Charge Offs to Average Loans % is -0.01%. Overall, Five Star Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Net Charge Offs to Average Loans % compare to CPF and FBAK?
Five Star Bancorp's Net Charge Offs to Average Loans % of -0.01% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Charge Offs to Average Loans % for a Banks company?
A good Net Charge Offs to Average Loans % depends on the Banks industry context. However, Net Charge Offs to Average Loans % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Charge Offs to Average Loans % mean?
A high Net Charge Offs to Average Loans % can signal that a stock is expensive relative to its fundamentals. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Five Star Bancorp and its competitors. Five Star Bancorp's current Net Charge Offs to Average Loans % is -0.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Five Star Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Five Star Bancorp (FSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.91, compared to a current price of $46.04 — trading 18.3% above its estimated fair value. The current Net Charge Offs to Average Loans % is -0.01%. Five Star Bancorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Charge Offs to Average Loans % calculated?
Net Charge Offs to Average Loans % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Net Charge Offs to Average Loans % is -0.01% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Five Star Bancorp (FSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Five Star Bancorp stock appears to be overvalued.
The current stock price of $46.04 is trading 18.3% above its estimated GF Value™ of $38.91.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Net Charge Offs to Average Loans %: -0.01%
GF Value™: $38.91 vs. price of $46.04 (18.3% above fair value)
No single metric tells the full story. See the FSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Five Star Bancorp is a bank holding company that operates in California through its subsidiary, a state-chartered non-member bank. The company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals. It offers loan products like commercial real estate loans, commercial loans, commercial land and construction loans, and farmland loans, and offers deposit products like checking accounts, savings accounts, money market accounts, and term certificate accounts. The group has one reportable operating segment: Banking.
71GF Score
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