Five Star Bancorp

Five Star Bancorp is a bank holding company that operates through its wholly owned banking subsidiary, Five Star Bank. The Bank operates ten branches in California, providing relationship-based commercial and consumer banking services. Founded to serve the commercial real estate industry, Five Star has expanded its markets to include manufactured housing and storage, faith-based organizations, government and local agencies, nonprofits, food and agribusiness, venture banking, and small to medium-sized enterprises. The company's $4.7 billion loan portfolio is heavily concentrated in commercial real estate (78.19%), with manufactured home communities, RV parks, retail, and multifamily as the largest CRE collateral types. Additional lending spans commercial construction, farmland, residential, consumer, and commercial secured and unsecured segments. Five Star emphasizes a high-tech, high-touch banking model with 50 Business Development Officers driving client acquisition. The company recently expanded its footprint through new offices in Lodi, Calabasas, and Palo Alto, and completed a significant equity offering raising approximately $130 million in net proceeds to fund continued organic growth. The Bank maintains zero brokered deposits and focuses on non-wholesale deposit relationships, with a diversified deposit base spanning government (25.15%), commercial real estate (17.23%), and professional services (11.20%) verticals. Updated Oct 27, 2026