Five Star Bancorp Q3 net income $16.3M, EPS $0.77 up 49% YoY; loan growth 3.4%

FIVE STAR BANCORP

2025-Q3 EPS reported $2.07

Net income $16.3M ($0.77 diluted EPS) vs $14.5M ($0.68) Q2 and $10.9M ($0.52) Q3'24.
Net interest margin expanded to 3.56% from 3.53% QoQ and 3.37% YoY.
Loans held for investment rose $129.2M (3.44% QoQ); total deposits increased $208.8M (5.36%).
Efficiency ratio improved to 40.13% from 41.03% Q2; nonperforming loans remained low at 0.05%.
Board declared $0.20/share dividend payable Nov 10; new Walnut Creek branch opened.

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