Overview
- TickerFSBC on Nasdaq2
- IndustryState Commercial Banks2
- HeadquartersRancho Cordova, United States2
- Incorporated inCA3
- Business address3100 Zinfandel Drive, Suite 100, Rancho Cordova, Ca 956703
- Filer category, Emerging growth company3
- Legal formCorporation2
- LEI5493008ZRBIHKWC0JA732
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressC/O HEATHER LUCK, 95670 Rancho Cordova, United States2
- Registered withSecretary of State, C24672162
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Headquartered in the greater Sacramento metropolitan area of California, Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Bank began operations on December 20, 1999. Bancorp was incorporated on September 16, 2002 and became the sole shareholder of the Bank on June 2, 2003. Our executive offices are located at 3100 Zinfandel Drive, Suite 100, Rancho Cordova, California 95670 and our telephone number is (916) 626-5000. Our website address is https://www.fivestarbank.com. Information on our website should not be considered a part of this Annual Report on Form 10-K.5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $229.2M | $193.3M | $162.7M |
| Taxable securities | $1.6M | $1.8M | $1.9M |
| Nontaxable securities | $672.0K | $700.0K | $724.0K |
| Interest-bearing deposits in banks | $17.4M | $11.1M | $9.1M |
| Total interest and fee income | $248.9M | $207.0M | $174.4M |
| Deposits | $92.4M | $82.4M | $57.9M |
| Subordinated notes | $4.6M | $4.6M | $4.6M |
| Other borrowings | $0 | $196.0K | $995.0K |
| Total interest expense | $97.0M | $87.2M | $63.5M |
| Net interest income | $151.9M | $119.7M | $110.9M |
| Provision for credit losses | $9.7M | $7.0M | $4.0M |
| Net interest income after provision for credit losses | $142.2M | $112.8M | $106.9M |
| Service charges on deposit accounts | $755.0K | $721.0K | $575.0K |
| Net gain (loss) on sale of securities | $0 | $0 | -$167.0K |
| Gain on sale of loans | $244.0K | $1.3M | $2.0M |
| Loan-related fees | $2.2M | $1.6M | $1.7M |
| FHLB stock dividends | $1.3M | $1.3M | $970.0K |
| Earnings on BOLI | $824.0K | $644.0K | $510.0K |
| Other | $1.2M | $889.0K | $2.0M |
| Total non-interest income | $6.5M | $6.5M | $7.5M |
| Salaries and employee benefits | $37.9M | $31.7M | $27.1M |
| Occupancy and equipment | $2.8M | $2.5M | $2.2M |
| Data processing and software | $6.1M | $5.1M | $4.0M |
| FDIC insurance | $1.9M | $1.6M | $1.6M |
| Professional services | $3.7M | $3.1M | $2.6M |
| Advertising and promotional | $3.2M | $2.4M | $2.4M |
| Loan-related expenses | $1.4M | $1.2M | $1.2M |
| Other operating expenses | $7.9M | $6.8M | $6.7M |
| Total non-interest expense | $65.0M | $54.5M | $47.8M |
| Income before provision for income taxes | $83.7M | $64.7M | $66.6M |
| Provision for income taxes | $22.1M | $19.1M | $18.9M |
| Net income | $61.6M | $45.7M | $47.7M |
| Basic earnings per common share (in USD per share) | $2.90 | $2.26 | $2.78 |
| Diluted earnings per common share (in USD per share) | $2.90 | $2.26 | $2.78 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from financial institutions | $34.0M | $33.9M | ||
| Interest-bearing deposits in banks | $472.9M | $318.5M | ||
| Cash and cash equivalents | $506.9M | $352.3M | ||
| Time deposits in banks | $100.0K | $4.1M | ||
| Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at December 31, 2025 and 2024 (amortized cost of $107,197 and $115,757 at December 31, 2025 and 2024, respectively) | $94.7M | $98.2M | ||
| Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at December 31, 2025 and 2024 (fair value of $1,995 and $2,353 at December 31, 2025 and 2024, respectively) | $2.2M | $2.7M | ||
| Loans held for sale | $0 | $3.2M | ||
| Loans held for investment | $4.1B | $3.5B | ||
| Allowance for credit losses | -$44.4M | -$37.8M | -$34.4M | -$28.4M |
| Loans held for investment, net of allowance for credit losses | $4.0B | $3.5B | ||
| FHLB stock | $15.0M | $15.0M | ||
| Operating leases, right-of-use asset, net | $10.8M | $6.2M | ||
| Premises and equipment, net | $2.1M | $1.6M | ||
| Bank-owned life insurance, net | $23.9M | $19.4M | ||
| Interest receivable and other assets | $68.7M | $55.6M | ||
| Total assets | $4.8B | $4.1B | ||
| Non-interest-bearing | $1.1B | $922.6M | ||
| Interest-bearing | $3.1B | $2.6B | ||
| Total deposits | $4.2B | $3.6B | ||
| Subordinated notes, net | $74.0M | $73.9M | ||
| Other borrowings | $0 | $0 | ||
| Operating lease liability | $11.9M | $6.9M | ||
| Interest payable and other liabilities | $22.0M | $17.9M | ||
| Total liabilities | $4.3B | $3.7B | ||
| Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at December 31, 2025 and 2024 | $0 | $0 | ||
| Common stock, no par value; 100,000,000 shares authorized; 21,367,387 shares issued and outstanding at December 31, 2025; 21,319,083 shares issued and outstanding at December 31, 2024 | $304.0M | $302.5M | ||
| Retained earnings | $151.0M | $106.5M | $46.7M | |
| Accumulated other comprehensive loss, net of taxes | -$9.1M | -$12.4M | ||
| Total shareholders equity | $445.8M | $396.6M | $285.8M | $252.8M |
| Total liabilities and shareholders equity | $4.8B | $4.1B | ||
| Securities available-for-sale, allowance for credit loss | $0 | $0 | ||
| Securities available-for-sale, at amortized cost | $107.2M | $115.8M | ||
| Securities held-to-maturity, allowance for credit losses | $20.0K | $20.0K | $0 | |
| Securities held-to-maturity | $2.0M | $2.4M | ||
| Preferred stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 100.0M shares | 100.0M shares | ||
| Common stock, shares issued (in shares) | 21.4M shares | 21.3M shares | ||
| Common stock, shares outstanding (in shares) | 21.4M shares | 21.3M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from financial institutions | $34.0M | $33.9M | ||
| Interest-bearing deposits in banks | $472.9M | $318.5M | ||
| Cash and cash equivalents | $506.9M | $352.3M | ||
| Time deposits in banks | $100.0K | $4.1M | ||
| Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at December 31, 2025 and 2024 (amortized cost of $107,197 and $115,757 at December 31, 2025 and 2024, respectively) | $94.7M | $98.2M | ||
| Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at December 31, 2025 and 2024 (fair value of $1,995 and $2,353 at December 31, 2025 and 2024, respectively) | $2.2M | $2.7M | ||
| Loans held for sale | $0 | $3.2M | ||
| Loans held for investment | $4.1B | $3.5B | ||
| Allowance for credit losses | -$44.4M | -$37.8M | -$34.4M | -$28.4M |
| Loans held for investment, net of allowance for credit losses | $4.0B | $3.5B | ||
| FHLB stock | $15.0M | $15.0M | ||
| Operating leases, right-of-use asset, net | $10.8M | $6.2M | ||
| Premises and equipment, net | $2.1M | $1.6M | ||
| Bank-owned life insurance, net | $23.9M | $19.4M | ||
| Interest receivable and other assets | $68.7M | $55.6M | ||
| Total assets | $4.8B | $4.1B | ||
| Non-interest-bearing | $1.1B | $922.6M | ||
| Interest-bearing | $3.1B | $2.6B | ||
| Total deposits | $4.2B | $3.6B | ||
| Subordinated notes, net | $74.0M | $73.9M | ||
| Other borrowings | $0 | $0 | ||
| Operating lease liability | $11.9M | $6.9M | ||
| Interest payable and other liabilities | $22.0M | $17.9M | ||
| Total liabilities | $4.3B | $3.7B | ||
| Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at December 31, 2025 and 2024 | $0 | $0 | ||
| Common stock, no par value; 100,000,000 shares authorized; 21,367,387 shares issued and outstanding at December 31, 2025; 21,319,083 shares issued and outstanding at December 31, 2024 | $304.0M | $302.5M | ||
| Retained earnings | $151.0M | $106.5M | $46.7M | |
| Accumulated other comprehensive loss, net of taxes | -$9.1M | -$12.4M | ||
| Total shareholders equity | $445.8M | $396.6M | $285.8M | $252.8M |
| Total liabilities and shareholders equity | $4.8B | $4.1B | ||
| Securities available-for-sale, allowance for credit loss | $0 | $0 | ||
| Securities available-for-sale, at amortized cost | $107.2M | $115.8M | ||
| Securities held-to-maturity, allowance for credit losses | $20.0K | $20.0K | $0 | |
| Securities held-to-maturity | $2.0M | $2.4M | ||
| Preferred stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 100.0M shares | 100.0M shares | ||
| Common stock, shares issued (in shares) | 21.4M shares | 21.3M shares | ||
| Common stock, shares outstanding (in shares) | 21.4M shares | 21.3M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $61.6M | $45.7M | $47.7M |
| Provision for credit losses | $9.7M | $7.0M | $4.0M |
| Depreciation and amortization | $2.2M | $1.9M | $1.6M |
| Amortization of deferred loan fees and costs | $170.0K | -$337.0K | $117.0K |
| Amortization of premiums and discounts on securities | $800.0K | $943.0K | $1.2M |
| Amortization of subordinated note issuance costs | $146.0K | $146.0K | $144.0K |
| Amortization of low income housing tax credits | $1.8M | $1.1M | $291.0K |
| Stock compensation expense | $1.5M | $1.2M | $962.0K |
| Earnings on BOLI | -$824.0K | -$644.0K | -$510.0K |
| Deferred tax provision | -$578.0K | -$243.0K | -$897.0K |
| Purchase of transferable tax credits | -$6.6M | $0 | $0 |
| Loans originated for sale | -$1.4M | -$21.7M | -$47.9M |
| Gain on sale of loans | -$244.0K | -$1.3M | -$2.0M |
| Gross proceeds from sale of loans | $3.5M | $19.7M | $38.4M |
| Net loss (gain) on sale of securities available-for-sale | $0 | $0 | $167.0K |
| Earnings on equity investments | -$821.0K | -$545.0K | -$1.7M |
| Interest receivable and other assets | -$3.4M | $2.5M | -$3.7M |
| Interest payable and other liabilities | $6.1M | -$2.6M | $1.9M |
| Operating lease liability | -$1.1M | -$916.0K | -$900.0K |
| Net cash provided by operating activities | $72.6M | $51.8M | $38.9M |
| Proceeds from sale of securities available-for-sale | $0 | $0 | $737.0K |
| Maturities, prepayments, and calls of securities available-for-sale | $9.3M | $8.4M | $10.1M |
| Purchases of securities available-for-sale | -$1.0M | $0 | -$1.2M |
| Capital call for equity investments | -$2.1M | -$2.9M | -$1.4M |
| Proceeds received from equity investments | $283.0K | $1.1M | $1.9M |
| Capital call for low income housing tax credits | -$5.6M | -$10.1M | -$2.3M |
| Net change in time deposits in banks | $4.0M | $1.7M | $4.0M |
| Loan originations, net of repayments | -$544.2M | -$442.8M | -$284.3M |
| Purchase of premises and equipment, net | -$1.2M | -$628.0K | -$653.0K |
| Purchase of FHLB stock | $0 | $0 | -$4.1M |
| Purchase of BOLI | -$3.7M | -$1.6M | -$2.0M |
| Other real estate sale proceeds | $87.0K | $0 | $0 |
| Net cash used in investing activities | -$544.1M | -$446.7M | -$279.3M |
| Net change in deposits | $643.1M | $531.1M | $244.9M |
| Proceeds from issuance of stock, net of issuance costs | $0 | $80.9M | $0 |
| (Payments) advances on other borrowings | $0 | -$170.0M | $70.0M |
| Cash dividends paid | -$17.1M | -$16.2M | -$12.9M |
| Net cash provided by financing activities | $626.0M | $425.7M | $301.9M |
| Net change in cash and cash equivalents | $154.5M | $30.8M | $61.6M |
| Interest paid | $97.6M | $87.1M | $61.9M |
| US Federal | $11.6M | ||
| US Federal - IRC 45X Tax Credits | $6.6M | ||
| Total | $25.0M | $16.9M | $20.0M |
| Transfer from loans held for sale to loans held for investment | $1.3M | $11.5M | $9.4M |
| Unrealized gain (loss) on securities | $5.1M | -$858.0K | $2.2M |
| Operating lease liabilities exchanged for ROUA | $6.1M | $2.2M | $2.3M |
| ROUA acquired | -$6.1M | -$2.2M | -$2.2M |
| Increase (decrease) in commitment for low income housing tax credits | $10.2M | -$531.0K | $13.6M |
No quarter-by-quarter statement was filed.
Corporate structure
FIVE STAR BANCORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of FIVE STAR BANCORP
- Kathryn Ruth Oates-Fairrington Filed SCHEDULE 13G/A on FIVE STAR BANCORP, latest Apr 2, 2025 (3 filings since Feb 9, 2022)
- Oates Administrative Trust Filed SCHEDULE 13G/A on FIVE STAR BANCORP, latest Apr 2, 2025
- Davis Partnership, LP Filed SCHEDULE 13G/A on FIVE STAR BANCORP, latest Feb 13, 2025 (4 filings since Nov 30, 2022)
- T. Rowe Price Investment Management, Inc. Filed SC 13G/A on FIVE STAR BANCORP, latest Nov 14, 2024 (3 filings since Feb 14, 2023)
- BlackRock Filed SC 13G on FIVE STAR BANCORP, latest Nov 8, 2024 (2 filings since Oct 24, 2024)
- PRICE T ROWE ASSOCIATES INC /MD/ Filed SC 13G/A on FIVE STAR BANCORP, latest Feb 14, 2023 (2 filings since Feb 14, 2022)
- FIVE STAR BANCORP Rancho Cordova, California, United States
- Five Star Bank Subsidiary · Roseville, California, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What FIVE STAR BANCORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $8.1M9 Dec 31, 2025 | $6.9M9 Dec 31, 2024 | +17.3% |
| Accumulated depreciation | $6.0M9 Dec 31, 2025 | $5.3M9 Dec 31, 2024 | +12.6% |
| Property and equipment, net | $2.1M9 Dec 31, 2025 | $1.6M9 Dec 31, 2024 | +33.1% |
| Operating-lease assets (leased space) | $10.8M9 Dec 31, 2025 | $6.2M9 Dec 31, 2024 | +73.0% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities available for sale | $94.7M9 Dec 31, 2025 | $98.2M9 Dec 31, 2024 | −3.6% |
| Debt securities held to maturity | $2.2M9 Dec 31, 2025 | $2.7M9 Dec 31, 2024 | −19.5% |
| Stakes in other companies (equity method) | $12.1M9 Dec 31, 2025 | $9.3M9 Dec 31, 2024 | +29.8% |
| Deposits held (banks) | $4.2B9 Dec 31, 2025 | $3.6B9 Dec 31, 2024 | +18.1% |
Properties, in its own words
Our corporate headquarters is located at 3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA 95670. As of December 31, 2025, in addition to our corporate headquarters, which includes our Rancho Cordova branch, we operated eight other branch offices in Roseville, Natomas, Redding, Elk Grove, Chico, Yuba City, San Francisco, and Walnut Creek and two administrative offices in Sacramento and Newport Beach. We lease our corporate headquarters and all of our other offices. The lease on our corporate headquarters expires in 2032, and the leases on our branch offices and administrative offices expire in 2026 through 2036. We believe that these facilities and additional or alternative space available to us are adequate to meet our needs for the foreseeable future.
Item 2 of the 10-K filed Feb 27, 2026.5
Leadership
Who has led FIVE STAR BANCORP, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
2025
- Chief executive officerJames Eugene Beckwith May 4, 2021 to now13
- PresidentJames Eugene Beckwith May 4, 2021 to now13
- Chief financial officerHeather Christina Luck May 4, 2021 to now14
- Chief operating officerLydia Ann Ramirez-Medina May 4, 2021 to now15
Board members and other officers (21)
- EVP, Food & Ag PresidentClifford Aaron Cooper Jun 16, 2026 to now16
- EVP & SF Bay Area PresidentDon Justin Kurtze Feb 3, 2025 to now17
- SVP & CIOBrett Levi Wait May 4, 2021 to now18
- SVP & Chief HR OfficerKristine Mali Hyde May 4, 2021 to Jan 24, 202219
- SVP & Chief Banking OfficerMichael Anthony Rizzo May 4, 2021 to now20
- SVP & Chief Regulatory OfficerMichael Eugene Lee May 4, 2021 to now21
- SVP & Chief Marketing OfficerShelley Ronan Wetton May 4, 2021 to now22
- Board memberDonna Lucas Jan 3, 2022 to now23
- Board memberDavid Frank Nickum May 4, 2021 to now24
- Board memberDavid John Lucchetti May 4, 2021 to Jan 5, 202425
- Board memberJames Eugene Beckwith May 4, 2021 to now13
- Board memberJudson Teichert Riggs May 4, 2021 to now26
- Board memberKevin Francis Ramos May 4, 2021 to now27
- Board memberLarry Eugene Allbaugh May 4, 2021 to now28
- Board memberMichael D. Campbell May 4, 2021 to May 23, 202229
- Board memberPhilip Mark Joffe May 4, 2021 to Jan 24, 202230
- Board memberRobert Truxtun Perry-Smith May 4, 2021 to now31
- Board memberShannon Deary-Bell May 4, 2021 to now32
- Board memberRandall E. Reynoso Jun 1, 2021 to now33
- Board memberLeigh Ann White Jul 6, 2021 to Feb 9, 202434
- Board memberWarren Paul Kashiwagi Oct 13, 2021 to now35
Named in SEC Form D filings
People the company listed in its private-offering notices.
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Five Star Bank California4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Oct 14, 20268-K Regulation FD disclosure37
- Sep 17, 20268-K Executive or director change; Regulation FD disclosure38
- Sep 10, 20268-K Executive or director change39
- Jul 23, 20268-K Entered a material agreement; Other events40
- Jul 22, 20268-K Results of operations; Regulation FD disclosure41
- Jul 20, 20268-K Regulation FD disclosure42
- Jul 10, 20268-K Regulation FD disclosure43
- May 28, 20268-K Shareholder vote44
- Apr 28, 20268-K Results of operations; Regulation FD disclosure45
- Apr 20, 20268-K Regulation FD disclosure46
- Apr 15, 20268-K Regulation FD disclosure47
- Jan 27, 20268-K Results of operations; Regulation FD disclosure48
- May 4, 2021New chief executive James Eugene Beckwith becomes CEO13
- Sep 16, 2002Founded FIVE STAR BANCORP is founded2
Calendar
Coming up
- Oct 26, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.77 a share, on Oct 27, 2025.49
When it reported results
- Jul 22, 2026Reported quarterly or annual results41
- Apr 28, 2026Reported quarterly or annual results45
- Jan 27, 2026Reported quarterly or annual results48
- Oct 28, 2025Reported quarterly or annual results50
- Jul 24, 2025Reported quarterly or annual results51
- Apr 29, 2025Reported quarterly or annual results52
- Jan 28, 2025Reported quarterly or annual results53
- Oct 29, 2024Reported quarterly or annual results54
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
360 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 87 major events, 195 insider forms, 17 large holders, 1 private raises, 40 other. The latest 20:
- Oct 14, 20268-K EDGAR
- Sep 17, 20268-K EDGAR
- Sep 10, 20268-K EDGAR
- Aug 6, 20264 EDGAR
- Aug 6, 202610-Q EDGAR
- Jul 24, 20264 EDGAR
- Jul 24, 20264 EDGAR
- Jul 24, 20264 EDGAR
- Jul 24, 20264 EDGAR
- Jul 24, 20264 EDGAR
- Jul 24, 20264 EDGAR
- Jul 23, 20268-K EDGAR
- Jul 23, 2026424B5 EDGAR
- Jul 22, 20268-K EDGAR
- Jul 22, 2026424B5 EDGAR
- Jul 20, 20268-K EDGAR
- Jul 10, 20268-K EDGAR
- Jun 16, 20263 EDGAR
- Jun 2, 20264 EDGAR
- May 28, 20268-K EDGAR
The 360 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
80 open-market trades by officers, directors and large owners since October 2021: 55 buys and 25 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | Allbaugh Larry EugeneDirector | Buy | 96,591 | $44.00 | $4.3M | Form 4 |
| Jul 22, 2026 | Perry-Smith Robert TruxtunDirector | Buy | 31,363 | $44.00 | $1.4M | Form 4 |
| Jul 22, 2026 | Deary-Bell ShannonDirector | Buy | 5,682 | $44.00 | $250.0K | Form 4 |
| Jul 22, 2026 | Lucas DonnaDirector | Buy | 1,136 | $44.00 | $50.0K | Form 4 |
| Jul 22, 2026 | Riggs Judson TeichertDirector | Buy | 2,273 | $44.00 | $100.0K | Form 4 |
| Jul 22, 2026 | Ramos Kevin FrancisDirector | Buy | 5,682 | $44.00 | $250.0K | Form 4 |
| May 26, 2026 | Wait Brett LeviSVP, Chief Information Officer | Sale | 1,640 | $42.27 | $69.3K | Form 4 |
| May 21, 2026 | Lee Michael EugeneSVP, Chief Regulatory Officer | Sale | 867 | $41.23 | $35.7K | Form 4 |
| May 20, 2026 | Beckwith James EugenePresident & CEO | Sale | 6,428 | $41.23 | $265.1K | Form 4 |
| May 14, 2026 | Wait Brett LeviSVP, Chief Information Officer | Sale | 2,583 | $41.11 | $106.2K | Form 4 |
| May 7, 2026 | Lee Michael EugeneSVP, Chief Regulatory Officer | Sale | 1,641 | $41.26 | $67.7K | Form 4 |
| May 6, 2026 | Ramirez-Medina Lydia AnnEVP, Chief Operating Officer | Sale | 400 | $40.99 | $16.4K | Form 4 |
| Mar 9, 2026 | Beckwith James EugenePresident & CEO | Sale | 4,000 | $36.66 | $146.6K | Form 4 |
| Feb 20, 2026 | Lee Michael EugeneSVP, Chief Regulatory Officer | Sale | 1,200 | $39.30 | $47.2K | Form 4 |
| Feb 17, 2026 | Lee Michael EugeneSVP, Chief Regulatory Officer | Sale | 1,200 | $40.74 | $48.9K | Form 4 |
| Dec 12, 2025 | Rizzo Michael AnthonyEVP, Chief Banking Officer | Sale | 641 | $37.28 | $23.9K | Form 4 |
| Nov 19, 2025 | Ramirez-Medina Lydia AnnEVP, Chief Operating Officer | Sale | 600 | $33.07 | $19.8K | Form 4 |
| Aug 15, 2025 | Ramirez-Medina Lydia AnnEVP, Chief Operating Officer | Sale | 825 | $30.94 | $25.5K | Form 4 |
| Jun 10, 2025 | Beckwith James EugenePresident & CEO | Sale | 6,429 | $27.74 | $178.3K | Form 4 |
| Jun 5, 2025 | Ramirez-Medina Lydia AnnEVP, Chief Operating Officer | Sale | 600 | $27.43 | $16.5K | Form 4 |
All 80 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Kathryn Ruth Oates-FairringtonSCHEDULE 13G/A, 3 filings Feb 9, 2022 to Apr 2, 202555
- Oates Administrative TrustSCHEDULE 13G/A, 1 filing Apr 2, 202556
- Davis Partnership, LPSCHEDULE 13G/A, 4 filings Nov 30, 2022 to Feb 13, 202557
- T. Rowe Price Investment Management, Inc.SC 13G/A, 3 filings Feb 14, 2023 to Nov 14, 202458
- BlackRockSC 13G, 2 filings Oct 24, 2024 to Nov 8, 202459
- PRICE T ROWE ASSOCIATES INC /MD/SC 13G/A, 2 filings Feb 14, 2022 to Feb 14, 202360
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | James E. Beckwith | 68 | $699.0K | $1.8M61 |
| 2025 | Don J. Kurtze | 38 | $308.9K | $820.9K61 |
| 2025 | Michael A. Rizzo | 60 | $399.3K | $783.9K61 |
| 2024 | President & CEO | $627.9K | $1.7M61 | |
| 2024 | EVP & CBO | $349.4K | $570.4K61 |
Money raised
Private offerings the company reported to the SEC on Form D.
- Aug 17, 2022Raised $75 million in a private offering of debt Form D: 35 investors so far Form D
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How FIVE STAR BANCORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARFIVE STAR BANCORP1
- CIK0001275168
- Employer ID (EIN)75-31009665
- Filer statusAccelerated filer an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inCalifornia5
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA 956701
- Phone916-626-50001
- Shares outstanding24,536,614 as of Aug 3, 202611
- Public float$477.2M as of Jun 30, 20255
- AuditorBaker Tilly US, LLP, Everett, Washington PCAOB ID 23; no auditor attestation of internal control over financial reporting5
- On EDGAR sinceJan 2, 20041
- Filings458 in all: 4 (233), 8-K (93), 3 (25), 10-Q (17), 144 (12), SC 13G (8), CORRESP (6), SC 13G/A (6)1
All 33 form types
10-K (5), D (5), DEF 14A (5), DEFA14A (5), UPLOAD (5), 424B5 (4), ARS (4), EFFECT (3), SCHEDULE 13G/A (3), DRSLTR (2), S-1/A (2), S-3 (2), 4/A (1), 424B3 (1), 424B4 (1), 8-A12B (1), CERT (1), DRS (1), DRS/A (1), FWP (1), PRE 14A (1), REGDEX (1), S-1 (1), S-8 (1), SC 13D (1)
- Latest filingsAnnual report (10-K) Feb 27, 2026
Quarterly report (10-Q) Aug 6, 2026
Proxy statement (DEF 14A) Mar 30, 2026
Latest 8-K (8-K) Oct 14, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, no par value per share | FSBC | The Nasdaq Stock Market LLC |
From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks FIVE STAR BANCORP names in Item 1A of its 10-K filed Feb 27, 2026: 48 risks under these headings, as written.5
- Risks Related to Our Business
- Our business and operations are concentrated in California, specifically Northern California, and we are more sensitive than our more geographically diversified competitors to adverse changes in the local economy.
- The small to medium-sized businesses to which we lend may have fewer resources to weather adverse business developments, which may impair a borrower’s ability to repay a loan.
- Our business is significantly dependent on the real estate markets in which we operate, as a significant percentage of our loan portfolio is secured by real estate.
- We are subject to interest rate risk, which could adversely affect our profitability.
- Inflation can have an adverse impact on our business and on our customers.
- We operate in a highly competitive market and face increasing competition from a variety of traditional and new financial services providers.
- Failure to keep up with the rapid technological changes in the financial services industry could have an adverse effect on our competitive position and profitability.
- We are dependent on the use of data and modeling in both our management’s decision-making generally and in meeting regulatory expectations in particular.
- We may not be able to measure and limit our credit risk adequately, which could adversely affect our profitability.
- We are exposed to higher credit risk and other risks and costs by our commercial real estate, commercial land and construction, commercial construction, farmland loans and other real estate assets.
- Curtailment of government-guaranteed loan programs or changes in federal government funding could affect our business.
The other 37 risks
- Liquidity risk could impair our ability to fund operations and meet our obligations as they become due.
- We may be adversely affected by the soundness of other financial institutions.
- Regulatory requirements affecting our loans secured by commercial real estate could limit our ability to leverage our capital and adversely affect our growth and profitability.
- Our recovery on commercial real estate loans could be further reduced by a lack of a liquid secondary market for such mortgage loans and mortgage-backed securities.
- The appraisals and other valuation techniques we use in evaluating and monitoring loans secured by real property and OREO may not accurately reflect the net value of the asset.
- Federal, state, and local consumer lending laws may restrict our or our partners’ ability to originate certain loans or increase our risk of liability with respect to such loans.
- Our largest loan relationships make up a material percentage of our total loan portfolio, and credit risks relating to these would have a disproportionate impact.
- Our largest deposit relationships currently make up a material percentage of our deposits and the withdrawal of deposits by our largest depositors, or withdrawals of other large deposits over a short period of time, could force us to fund our business through more expensive and less stable sources.
- Our allowance for credit losses may be inadequate to absorb losses inherent in the loan portfolio.
- We could recognize losses on investment securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
- We depend on the accuracy and completeness of information provided by customers and counterparties.
- Risks Related to Our Industry and Regulation
- Our industry is highly regulated, and the regulatory framework, together with any future legislative or regulatory changes, may have an adverse effect on our operations.
- Monetary policies and regulations of the Federal Reserve could have an adverse effect on our business, financial condition, and results of operations.
- Federal and state regulators periodically examine our business and may require us to remediate adverse examination findings or may take enforcement action against us.
- We are subject to stringent capital requirements, which could have an adverse effect on our operations.
- We are subject to numerous “fair and responsible banking” laws and other laws and regulations designed to protect consumers, and failure to comply with these laws could lead to a wide variety of sanctions.
- We are a bank holding company and are dependent upon the Bank for cash flow, and the Bank’s ability to make cash distributions is restricted. Additionally, the Federal Reserve may require us to commit capital resources to support the Bank.
- We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
- Risks Related to Ownership of Our Common Stock
- The market price of our common stock may be volatile, and we may not be able to meet investor or analyst expectations. You may not be able to resell your shares at or above the price you paid and may lose part or all of your investment as a result.
- We are an “emerging growth company,” as defined in the JOBS Act and are able to avail ourselves of reduced disclosure requirements applicable to emerging growth companies, which could make our common stock less attractive to investors and adversely affect the market price of our common stock.
- Our significant shareholders have the ability to control significant corporate activities, and our significant shareholders’ interests may not coincide with yours.
- We may not pay dividends on our common stock in the future, and our ability to pay dividends is subject to certain restrictions.
- California law and the provisions of our amended and restated articles of incorporation and amended and restated bylaws may have an anti-takeover effect, and there are substantial regulatory limitations on changes of control of bank holding companies.
- Our bylaws have an exclusive forum provision, which could limit a shareholder’s ability to obtain a favorable judicial forum for disputes with us or our directors, officers, or other employees.
- If we fail to design, implement, and maintain effective internal control over financial reporting or remediate any future material weakness in our internal control over financial reporting, we may be unable to accurately report our financial results or prevent fraud.
- General Risk Factors
- Our success is largely dependent upon our management team and key employees and ability to successfully execute our business strategy.
- If we implement new lines of business, products, or services, we may invest significant time and resources in doing so, and such new lines of business, products, or services may not be successful.
- We may pursue strategic acquisitions in the future, and we may not be able to overcome risks associated with such transactions.
- Our reputation is critical to our business, and damage to it could have an adverse effect on us.
- Our operations could be interrupted if our third-party service providers experience difficulty, terminate their services, or fail to comply with banking regulations.
- We are subject to laws regarding the privacy, information security, and protection of personal information, and any violation of these laws or other incidents involving personal, confidential, or proprietary information of individuals could damage our reputation and otherwise adversely affect our business.
- System failure or cybersecurity breaches of our network security could subject us to increased operating costs as well as litigation, damage to our reputation, and other potential losses.
- The adoption of artificial intelligence tools by us and our third-party vendors and service providers may increase the risk of errors, omissions, unfair treatment, or fraudulent behavior by our employees, clients, or counterparties, or other third parties.
- Our ability to conduct our business could be disrupted by natural or man-made disasters or the effects of climate change.
- Litigation and regulatory actions, including possible enforcement actions, could subject us to significant fines, penalties, judgments, or other requirements resulting in increased expenses or restrictions on our business activities.
- We are subject to an extensive body of accounting rules and best practices. Periodic changes to such rules may change the treatment and recognition of critical financial line items. In addition, the accuracy of our consolidated financial statements and related disclosures could be affected if the judgments, assumptions, or estimates used in our critical accounting policies are inaccurate.
- We could be subject to changes in tax laws, regulations and interpretations or challenges to our income tax provision.
Legal proceedings
From time to time, we are a party to various litigation matters incidental to the conduct of our business. We do not believe that any currently pending legal proceedings will have a material adverse effect on our business, financial condition, or results of operations.
The opening of Item 3, Legal Proceedings.5
Sources
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- 18SEC EDGARBrett Levi Wait, SVP & CIO
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- 23SEC EDGARDonna Lucas, Board member
- 24SEC EDGARDavid Frank Nickum, Board member
- 25SEC EDGARDavid John Lucchetti, Board member
- 26SEC EDGARJudson Teichert Riggs, Board member
- 27SEC EDGARKevin Francis Ramos, Board member
- 28SEC EDGARLarry Eugene Allbaugh, Board member
- 29SEC EDGARMichael D. Campbell, Board member
- 30SEC EDGARPhilip Mark Joffe, Board member
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- 32SEC EDGARShannon Deary-Bell, Board member
- 33SEC EDGARRandall E. Reynoso, Board member
- 34SEC EDGARLeigh Ann White, Board member
- 35SEC EDGARWarren Paul Kashiwagi, Board member
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- 37SEC EDGARRegulation FD disclosure
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- 39SEC EDGARExecutive or director change
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- 42SEC EDGARRegulation FD disclosure
- 43SEC EDGARRegulation FD disclosure
- 44SEC EDGARShareholder vote
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- 46SEC EDGARRegulation FD disclosure
- 47SEC EDGARRegulation FD disclosure
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- 49NasdaqNasdaq calendar
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