Companies /Financial Services
Five Star Bancorp
NASDAQ: FSBC Banks - Regional
$44.09
▼ $0.07 (−0.16%) today
Markets closed · 3:27pm ET

Five Star Bancorp (FSBC) Q2 2026 Earnings

Reported Jul 22, 2026, 4:02pm ET · SEC source
$0.91
Beat +5.81%
EPS · est. $0.86
$48.0M
Beat +0.48%
Revenue · est. $47.7M
−8.1%
Trailing market
FSBC vs S&P since report
5 quarters
Consecutive EPS beats

How Did FSBC Stock React to Q2 2026 Earnings?

% change · around the report
−6%−3%0Jul 22Jul 23report 4:02pm ETearnings−1.1%−2.1%
−6%−3%0Jul 22Jul 23earnings−1.1%−2.1%
FSBC −2.1%S&P 500 −1.1%
−6%−3%0Jul 22Jul 23report 4:02pm ETearnings−1.5%−2.1%
−6%−3%0Jul 22Jul 23earnings−1.5%−2.1%
FSBC −2.1%NASDAQ −1.5%
0+4%+8%Jul 21Jul 30report 4:02pm ETearnings−0.8%+3.8%
0+4%+8%Jul 21Jul 30earnings−0.8%+3.8%
FSBC +3.8%S&P 500 −0.8%
−5%0+5%Jul 21Jul 30report 4:02pm ETearnings−2.8%+3.8%
−5%0+5%Jul 21Jul 30earnings−2.8%+3.8%
FSBC +3.8%NASDAQ −2.8%
−2.11%
Day of report
−1.14%
Next session
−0.23%
One week
−4.69%
30 days

S&P 500 over the same 30 days: +3.43%.

Did FSBC Beat Earnings? Q2 2026 Results

Yes. Five Star Bancorp reported Q2 2026 earnings of $0.91 a share on Jul 22, 2026, beating the $0.86 consensus estimate by 5.8%. Revenue was $48.0M against a $47.7M estimate.

Five Star Bancorp delivered a convincing second-quarter 2026 performance, posting diluted earnings per share of $0.91 against a consensus estimate of $0.86, a 5.81% beat that extended the Sacramento-area bank's streak to four consecutive quarters of topping analyst EPS expectations. Revenue came in at $47.95 million, edging past the $47.72 million estimate by 0.48%, though the top line reflected a 22.6% year-over-year decline. The primary engine behind the earnings strength was a surge in organic balance sheet growth, with loans held for investment climbing $306.29 million, or 7.27%, during the quarter alone, pushing the total portfolio to $4.52 billion and lifting net interest income 26.2% year-over-year to $46.08 million. Net income rose 33.7% from a year ago to $19.40 million, even as the bank absorbed higher non-interest expenses tied to a 13.3% year-over-year headcount increase and its ongoing branch expansion, most recently adding a tenth location in Lodi. The company also declared a $0.25 quarterly cash dividend, reinforcing its commitment to returning capital alongside rapid growth.

Key Takeaways
  • Strong organic loan growth of $306.3 million (7.27%) in Q2 2026
  • Net interest income increased 26.2% year-over-year driven by higher average loan balances
  • Non-wholesale deposit growth of $463.1 million offset wholesale deposit declines
  • Net interest margin expanded 10 basis points year-over-year to 3.63%
  • Average cost of deposits declined 30 basis points year-over-year to 2.16%
  • Non-interest-bearing deposit growth of 21.62% year-over-year supported lower funding costs
  • Efficiency ratio improved year-over-year to 40.91% from 41.03%

“Five Star Bank's differentiated customer experience and reputation continue to power demand for our services. In the second quarter of 2026, we are pleased that net income increased to $19.4 million, compared to $18.6 million for the first quarter of 2026, and earnings per share increased to $0.91, up $0.04 from the first quarter of 2026 and up $0.23 from the second quarter of 2025. Net interest margin decreased by seven basis points to 3.63%. Total loans held for investment increased by $306.3 million, or 7% (approximately 29% when annualized), and total deposits increased by $330.0 million, or 7% (approximately 30% when annualized).”

Five Star Bancorp CEO, on the earnings call

FSBC YoY Financials

Q2 2026 vs Q2 2025 · SEC filings Q2 2025 Q2 2026
$0$20.0M$40.0M$60.0M$62.0M$48.0MRevenue$14.5M$19.4MNet Income$20.1M$26.1MOperating Income
$0$20.0M$40.0M$60.0MRevenueNet IncomeOperating Income
FSBC income statement, Q2 2026 versus Q2 2025
Metric Q2 2026 Q2 2025 Year over year
Revenue $48.0M $62.0M −22.6%
Net Income $19.4M $14.5M +33.7%
Operating Income $26.1M $20.1M +29.8%

FSBC Revenue by Segment

Commercial Real Estate Loans
Consumer and Other Loans
Commercial Secured Loans
Commercial Construction Loans
Farmland Loans
Residential Loans
Commercial Unsecured Loans

When Does Five Star Bancorp Report Next?

Expected report date
After the close
Release timing

Figures from SEC filings and company reports. Not investment advice.