Five Star Bancorp (FSBC) Earnings Call Transcripts

Five Star Bancorp's Latest Earnings Call - Q1 FY2026

In Q1 2026, Five Star Bancorp reported a net income of $18.6 million, a 6% increase from the prior quarter, and earnings per share of $0.87, up $0.04 from Q4 2025. Revenue growth was driven by a 14% annualized increase in loans held for investment and a 26% increase in deposits, reflecting strong demand and effective client relationship management. Management maintained guidance for 10-12% growth in both loans and deposits for the fiscal year, signaling confidence in their strategic initiatives despite heightened competition in the market.

Reported metrics

Guidance from management

Management maintained guidance for 10-12% growth in both loans and deposits for the fiscal year, indicating confidence in their strategic initiatives and market position.

What management said

Yes. We don't know how much juice is left in our -- in terms of the impact of rates. or have on our NIM. We're kind of thinking it's settling around -- in and around 3.70%, which is what it was for the quarter. But we do expect increase in net interest income to come from growth. And so that's kind of what our sense of it is right now. NIM, it might move up a couple of basis points, but nothing substantial like we've...

And just for reference, just to compare the two. So our brokered book at the end of the quarter was sitting at about 3.82% for the actual broker deposits. And then the late rate is about the 3.80% range. So we're pretty much just swapping dollar for dollar.

What analysts pressed on

Analysts raised concerns about the increasing competition in the market and its potential impact on loan growth and pricing. There were also questions regarding the sustainability of deposit growth and the cost of funding as the bank transitions away from wholesale deposits.

Main topics on the call

• Strong Loan and Deposit Growth — Loans held for investment grew by $138.5 million or 14% on an annualized basis, while total deposits increased by $268.3 million or 26%. Management stated, 'We remain well positioned to capitalize on new opportunities an...
• Improved Net Interest Margin — Net interest margin increased to 3.70%, up from 3.66% in the prior quarter, attributed to disciplined pricing and a favorable mix of assets and liabilities. Management noted, 'We expect increase in net interest income to...
• Focus on Core Deposits — Non-wholesale deposits rose by $350.2 million, offsetting a reduction in wholesale deposits. Management emphasized the importance of building a stable, relationship-based core deposit funding model.
• Expansion in Southern California — Management expressed excitement about their expansion efforts in Southern California, highlighting strong deal flow and the potential for de novo operations. 'We have a team in Newport Beach right now,' indicating a stra...

Read the full Five Star Bancorp transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 16 Five Star Bancorp earnings call transcripts on record, spanning February 1, 2022 to July 23, 2026. Based on this history, Five Star Bancorp reports quarterly. The most recent call on file is dated July 23, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

FSBC

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

16

First call

February 1, 2022

Most recent

July 23, 2026

Reporting cadence

quarterly