Five Star Bancorp Q1 net income $13.1M ($0.62 EPS); NIM expands to 3.45%

FIVE STAR BANCORP

2025-Q1 EPS reported $0.62

Net income $13.1M ($0.62 diluted EPS) down 1.5% sequentially but up 23.3% YoY from $10.6M.
Net interest margin 3.45%, up 9 bps QoQ and 31 bps YoY; cost of funds down 9 bps to 2.56%.
Loans held for investment grew 2.52% QoQ to $3.62B; total deposits up 5.01% to $3.74B.
Declared $0.20/share dividend payable May 12, 2025; efficiency ratio 42.58%.
San Francisco Bay Area deposits increased $87.4M to $379.8M; nonperforming loans remained 0.05%.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.