Five Star Bancorp filed its quarterly report on Form 10-Q for the period ended September 30, 2026, with the SEC on November 5, 2026, reporting third-quarter net income of $21.9 million and total assets of $5.56 billion.

Key Highlights

  • Net income of $21.909 million for the three months ended September 30, 2026, compared to $16.344 million in the same period of 2025, according to the filing.
  • Net interest income of $50.926 million for Q3 2026, up from $39.348 million in Q3 2025, as reported in the consolidated statements of income.
  • Total assets reached $5.559618 billion at September 30, 2026, compared to $4.754861 billion at December 31, 2025.
  • Loans held for investment totaled $4.704215 billion at September 30, 2026, up from $4.074929 billion at December 31, 2025.
  • Total deposits were $4.824528 billion at September 30, 2026, versus $4.201084 billion at December 31, 2025.
  • Diluted earnings per common share of $0.92 for Q3 2026, compared to $0.77 in Q3 2025.
  • 24,536,614 shares of common stock were issued and outstanding at September 30, 2026, up from 21,367,387 at December 31, 2025.

Five Star Bancorp Reports Q3 2026 Financial Results and Balance Sheet Growth

According to the Form 10-Q filed with the SEC, Five Star Bancorp (NASDAQ:FSBC) reported net income of $21.909 million for the three months ended September 30, 2026, an increase from $16.344 million in the third quarter of 2025. For the nine months ended September 30, 2026, the company disclosed net income of $59.929 million, compared to $43.963 million for the same period in 2025. Basic and diluted earnings per common share each came to $0.92 for Q3 2026 and $2.70 for the nine-month period, the filing stated.

The filing reported total interest and fee income of $79.174 million for Q3 2026, up from $64.845 million in Q3 2025. Loan interest and fees accounted for $71.392 million of that total. Total interest expense for the quarter was $28.248 million, resulting in net interest income of $50.926 million. The provision for credit losses was $2.500 million for both Q3 2026 and Q3 2025. Total non-interest expense was $20.591 million for Q3 2026, with salaries and employee benefits representing the largest component at $12.338 million.

On the balance sheet, the company disclosed total assets of $5.559618 billion at September 30, 2026, compared to $4.754861 billion at December 31, 2025. Total shareholders' equity was $617.211 million at September 30, 2026, up from $445.832 million at year-end 2025. Common stock increased to $435.511 million from $303.990 million over the same period, reflecting the higher share count. The allowance for credit losses on loans held for investment stood at $49.390 million at September 30, 2026, compared to $44.409 million at December 31, 2025. As of October 30, 2026, the filing reported 24,537,080 shares of common stock outstanding.

What Was Disclosed

Five Star Bancorp's 10-Q for Q3 2026 disclosed quarterly and year-to-date income statements, a consolidated balance sheet, and shareholders' equity details, covering the period ended September 30, 2026, and filed November 5, 2026.