Five Star Bancorp Q2 net income $14.5M ($0.68 EPS), up 35% YoY; loan growth 15% YoY

FIVE STAR BANCORP

2025-Q2 EPS reported $1.30

Net income $14.5M vs $10.8M in Q2 2024 (+34.6%); diluted EPS $0.68 vs $0.51.
Total loans held for investment $3.76B, up $136M (+3.76%) QoQ and $492M (+15.05%) YoY.
Total deposits $3.89B, up $158M (+4.24%) QoQ; non-interest-bearing deposits +7.5% QoQ.
Net interest margin expanded to 3.53% from 3.45% QoQ; efficiency ratio improved to 41.03%.
Declared $0.20 dividend payable Aug 11, 2025; short-term borrowings remained at zero.

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