Five Star Bancorp Q3 net income $10.9M; loans up 6% QoQ, deposits up 8%

FIVE STAR BANCORP

2024-Q3 EPS reported $1.63

EPS $0.52 diluted, vs $0.51 QoQ and $0.64 YoY; net income $10.9M (stable vs $11.0M YoY).
Total loans held for investment $3.46B (+5.95% QoQ, +14.97% YoY); total deposits $3.40B (+7.95% QoQ).
Net interest margin 3.37% (3.39% QoQ, 3.31% YoY); cost of funds 2.72% (up 16 bps QoQ).
Efficiency ratio improved to 43.37% from 44.07% QoQ; no short-term borrowings at quarter end.
Declared $0.20/sh dividend payable Nov 12; opened San Francisco office with $189M deposits.

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