Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 144

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 144
---
 assets)10.77 %11.02 %Common equity Tier 1 capital (to risk-weighted assets)10.77 %11.02 %Tier 1 leverage9.78 %10.05 %Total shareholders’ equity to total assets9.29 %9.79 %Tangible shareholders’ equity to tangible assets19.29 %9.79 %

Table 2: Highlights of Financial Results (continued)For the three months ended For the nine months ended(dollars in thousands, except per share data)September 30, 2025September 30, 2024September 30, 2025September 30, 2024Selected operating data:Net interest income$39,348 $30,386 $109,840 $86,222 Provision for credit losses2,500 2,750 6,900 5,650 Non-interest income1,966 1,381 5,135 4,787 Non-interest expense16,580 13,776 47,351 40,005 Net income16,344 10,941 43,963 32,354 Per common share data:Earnings per common share:Basic$0.77 $0.52 $2.07 $1.63 Diluted$0.77 $0.52 $2.07 $1.63 Book value per share$20.19 $18.29 $20.19 $18.29 Tangible book value per share2$20.19 $18.29 $20.19 $18.29 Performance and other financial ratios:ROAA1.44 %1.18 %1.37 %1.21 %ROAE15.35 %11.31 %14.29 %12.43 %Net interest margin3.56 %3.37 %3.52 %3.30 %Cost of funds2.51 %2.72 %2.53 %2.64 %Efficiency ratio40.13 %43.37 %41.18 %43.96 %Cash dividend payout ratio on common stock325.97 %38.46 %28.99 %36.81 %

34

1Tangible shareholders’ equity to tangible assets is considered