Five Star Bancorp (NASDAQ: FSBC)

Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary Five Star Bank a California state chartered non member bank. Headquartered in the greater Sacramento metropolitan area of California the company provides a broad range of banking products and services to small and medium sized businesses professionals and individuals primarily in Northern California through nine branch offices. The bank began operations on December 20 1999 and Bancorp was incorporated on September 16 2002 becoming the sole shareholder of the bank on June 2 2003.

The company generates revenue primarily from interest earned on its loan portfolio which includes commercial real estate loans commercial land and construction loans residential real estate and construction loans farmland loans commercial loans SBA loans and consumer and other loans. Additional revenue comes from fees associated with deposit products such as checking accounts savings accounts money market accounts and term certificate accounts as well as from ancillary services like debit cards remote deposit capture online banking and mobile banking. The bank also earns income from its investment securities portfolio which consists of mortgage backed securities obligations of states and political subdivisions U S government agencies collateralized mortgage obligations and corporate bonds.

The bank holds the sixth position in the Sacramento Roseville Folsom metropolitan statistical area by deposit market share with deposits of approximately three point one billion dollars and four branches as of June 30 2025. Many competitors in the region are larger national institutions with greater resources broader branch networks and stronger brand recognition. Five Star Bancorp differentiates itself through a focus on relationship banking personal service flexibility rapid decision making and deep local market knowledge. The company also emphasizes its purpose driven and integrity centered banking approach to attract and retain customers.

The company serves small and medium sized businesses professionals and individuals primarily in Northern California. It also maintains deposit relationships with municipalities in its market area. The bank’s loan customers include real estate developers agricultural producers faith based organizations and various small to medium sized enterprises across different sectors.