Five Star Bancorp (FSBC)

Nasdaq: FSBC · State Commercial Banks · Rancho Cordova, CA · filing with the SEC since 2004

Grade5.2

◀ Past 4.2● Present 5.0▶ Future 7.1

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Report filed	Feb 27, 2026	Feb 28, 2025	Feb 23, 2024	Feb 24, 2023	Feb 25, 2022	·
For lenders
Interest and dividend income	248,933	206,951	174,382	117,918	81,583	74,390
Interest expense on deposits and borrowings	97,028	87,240	63,502	14,848	·	·
Net interest income	151,905	119,711	110,880	103,070	77,611	65,210
Provision for credit losses	9,700	6,950	4,000	6,700	1,700	9,000
Net interest income after provision	142,205	112,761	106,880	96,370	75,911	56,210
Noninterest income	6,535	6,453	7,511	7,157	7,280	9,302
Noninterest expense	65,008	54,493	47,775	40,669	36,043	28,257
Interest expense	·	·	63,502	14,848	3,972	9,180
Income before income taxes	83,732	64,721	66,616	62,858	47,148	37,255
Income tax expense	22,126	19,050	18,882	18,057	4,707	1,327
Net income	61,606	45,671	47,734	44,801	42,441	35,928
Earnings per share, basic	2.90	2.26	2.78	2.61	2.83	3.57
Earnings per share, diluted	2.90	2.26	2.78	2.61	2.83	3.57
Weighted average shares, basic	21,224,788	20,154,385	17,166,592	17,128,282	14,972,637	10,063,183
Weighted average shares, diluted	21,273,552	20,205,440	17,187,969	17,165,610	14,995,213	10,063,183

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton FSBC · research, not advice