Five Star Bancorp Q2 2026 net income $19.4M, EPS $0.91; NIM 3.63%, loans +7% QoQ

FIVE STAR BANCORP

Net income $19.4M vs $18.6M Q1 2026 and $14.5M Q2 2025; diluted EPS $0.91 vs $0.87 and $0.68.
Net interest margin 3.63% (down 7bp QoQ, up 10bp YoY); net interest income $46.1M, +6% QoQ.
Loans held for investment $4.52B, +7.3% QoQ; deposits $4.80B, +7.4% QoQ; non-wholesale deposits +11.3%.
Nonperforming loans to total loans rose to 0.30% from 0.07% QoQ due to one $11.4M CRA loan on non-accrual.
Board declared $0.25/share dividend payable Aug 10, 2026 to holders of record Aug 3, 2026.

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