Five Star Bancorp(US:FSBC)2025-10-28 17:00Company Overview - Five Star Bancorp (FSBC) has total assets of $46 billion, loans held for investment of $39 billion, and deposits of $41 billion as of September 30, 2025[21] - The company operates 9 bank branches[21] Financial Performance - Net income for the three months ended September 30, 2025 was $16344 thousand, with a Return on Average Assets (ROAA) of 144% and a Return on Average Equity (ROAE) of 1535%[27] - Basic and diluted earnings per share for the three months ended September 30, 2025 were $077[27] - Non-interest-bearing deposits totaled $1059082 thousand as of September 30, 2025, representing 2581% of total deposits[27, 29] - Insured and collateralized deposits were approximately $27 billion, representing 6525% of total deposits as of September 30, 2025[29] Loan Portfolio - Loans held for investment increased by $1292 million since June 30, 2025[29] - Commercial real estate loans constitute 8086% of the loan portfolio, with manufactured home loans making up 3118% of CRE loans[52] - Adjustable-rate loans represent 667% ($26 billion) of the total loans held for investment as of September 30, 2025[63] Asset Quality - Nonperforming loans to loans held for investment stood at 005% as of September 30, 2025[27] - Allowance for credit losses to loans held for investment was 108% as of September 30, 2025[27]