← FIVE STAR BANCORP
| Annual Trend | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Total non-interest income | $9.3m | $7.3m | $7.2m | $7.5m | $6.5m | $6.5m | — | |
| Net interest income | $65.2m |
$77.6m
+19.02%
|
$103.1m
+32.80%
|
$110.9m
+7.58%
|
$119.7m
+7.96%
|
$151.9m
+26.89%
|
$171.0m
+12.54%
|
|
| Salaries and employee benefits | $16.1m | $19.8m | $22.6m | $27.1m | $31.7m | $37.9m | — | |
| Other operating expenses | $3.5m | $4.9m | $6.4m | $6.7m | $6.8m | $7.9m | — | |
| Total non-interest expense | $28.3m | $36.0m | $40.7m | $47.8m | $54.5m | $65.0m | — | |
| Total interest expense | — | — | $14.8m | $63.5m | $87.2m | $97.0m | — | |
| Net interest income after provision for credit losses | $56.2m |
$75.9m
+35.05%
|
$96.4m
+26.95%
|
$106.9m
+10.91%
|
$112.8m
+5.50%
|
$142.2m
+26.11%
|
$171.0m
+20.22%
|
|
| Net gain (loss) on sale of securities | $1.4m | $724k | $5k | ($167k) | $0 | $0 | — | |
| Gain on sale of loans | $4.1m | $4.1m | $2.9m | $2.0m | $1.3m | $244k | $0 | |
| Income before provision for income taxes | $37.3m | $47.1m | $62.9m | $66.6m | $64.7m | $83.7m | — | |
| Provision for income taxes | $1.3m | $4.7m | $18.1m | $18.9m | $19.1m | $22.1m | — | |
| Net income | $35.9m |
$42.4m
+18.13%
|
$44.8m
+5.56%
|
$47.7m
+6.55%
|
$45.7m
-4.32%
|
$61.6m
+34.89%
|
$72.0m
+16.88%
|
|
| Basic earnings per common share (in USD per share) | $3.57 | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 | — | |
| Diluted earnings per common share (in USD per share) | $3.57 | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 | — | |
| Loans, including fees | $71.4m | $78.9m | $111.8m | $162.7m | $193.3m | $229.2m | — | |
| Taxable securities | $1.3m | $1.3m | $1.7m | $1.9m | $1.8m | $1.6m | — | |
| Nontaxable securities | $500k | $821k | $713k | $724k | $700k | $672k | — | |
| Interest-bearing deposits in banks | $1.2m | $547k | $3.7m | $9.1m | $11.1m | $17.4m | — | |
| Deposits | $7.4m | $2.2m | $10.9m | $57.9m | $82.4m | $92.4m | — | |
| Subordinated notes | $1.8m | $1.8m | $3.7m | $4.6m | $4.6m | $4.6m | — | |
| Other borrowings | — | — | $185k | $995k | $196k | $0 | — | |
| Provision for credit losses | $9.0m | $1.7m | $6.7m | $4.0m | $7.0m | $9.7m | — | |
| Service charges on deposit accounts | $367k | $424k | $467k | $575k | $721k | $755k | — | |
| Loan-related fees | $2.3m | $639k | $2.2m | $1.7m | $1.6m | $2.2m | — | |
| FHLB stock dividends | $321k | $372k | $546k | $970k | $1.3m | $1.3m | — | |
| Earnings on BOLI | $220k | $237k | $412k | $510k | $644k | $824k | — | |
| Other | $502k | $802k | $586k | $2.0m | $889k | $1.2m | — | |
| Occupancy and equipment | $1.7m | $1.9m | $2.1m | $2.2m | $2.5m | $2.8m | $3.2m | |
| Data processing and software | $2.0m | $2.5m | $3.1m | $4.0m | $5.1m | $6.1m | — | |
| FDIC insurance | $1.1m | $700k | $850k | $1.6m | $1.6m | $1.9m | — | |
| Professional services | $2.0m | $3.8m | $2.5m | $2.6m | $3.1m | $3.7m | — | |
| Advertising and promotional | $1.1m | $1.3m | $1.9m | $2.4m | $2.4m | $3.2m | — | |
| Loan-related expenses | $732k | $1.0m | $1.3m | $1.2m | $1.2m | $1.4m | — | |
| Total interest and fee income | $74.4m | $81.6m | $117.9m | $174.4m | $207.0m | $248.9m | — |