FIVE STAR BANCORP — Form 8-K
Filed July 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
Five Star Bancorp reported Q2 2026 net income of $19.4M (vs. $18.6M in Q1 2026, $14.5M in Q2 2025). Loans held for investment grew $306.3M to $4.52B; total deposits grew $330M to $4.8B. Net interest margin was 3.63% (down 7 bps QoQ, up 10 bps YoY). EPS: $0.91 (basic and diluted). Common equity Tier 1 capital ratio declined to 9.98% from 10.45%. One $11.4M CRA loan placed on non-accrual status; nonperforming loans rose to 0.30% from 0.07%.
Why this rating
Solid earnings growth and strong balance-sheet expansion (loans +7.3% QoQ, deposits +7.4% QoQ) represent material organic progress for a $477M-market-cap company. However, NIM compression, rising efficiency ratio (40.91% vs. 38.57%), and deteriorating asset quality metrics (NPL ratio up 4x) temper momentum. Capital ratios remain adequate but declining.
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