Five Star Bancorp operates as a bank holding company for Five Star Bank, providing retail and commercial banking services to small and medium-sized businesses, professionals, and individuals across Northern California. The company offers a range of deposit products including checking, savings, money market, and certificate accounts, along with digital banking services such as online banking, mobile banking, remote deposit capture, and direct deposit functionality.
The company's loan portfolio encompasses commercial real estate, commercial land and construction, residential real estate and construction, farmland, U.S. Small Business Administration loans, and consumer loans, as well as operating lines of credit. Five Star Bancorp also maintains an investment portfolio consisting of U.S. government agency securities, mortgage-backed securities, and municipal obligations. The company was founded in 1999 and maintains its headquarters in Rancho Cordova, California, serving the Northern California region primarily.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2025 | $2.90 | $2.90 | +28.3% | |
| 2024 | $2.26 | $2.26 | -18.7% | |
| 2023 | $2.78 | $2.78 | +6.5% | |
| 2022 | $2.61 | $2.61 | -7.8% | |
| 2021 | $2.83 | $2.83 | — |