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Five Star Bancorp FSBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$48.0M+25.1%
Net income$19.4M+33.7%
EPS (diluted)$0.91+33.8%

Balance sheet

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Cash & equivalents$685.1M+41.6%
Total debt$11.3M+45.4%
Total equity$473.8M+13.7%
Total assets$5.4B+21.8%

Cash flow

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Operating cash flow$23.7M+33.1%
CapEx$441.0K+80.7%
Free cash flow$23.2M+32.4%

Valuation

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Market cap$1.12B+76.9%
Enterprise value$445.69M+185%
P/E15.6×+3.4×
P/S6.3×+1.8×

Profitability

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Net margin40.5%+3.6pp
FCF margin45.3%-3.2pp

Returns & leverage

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Return on equity16.2%+3.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Five Star Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Five Star Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054141
(in thousands, except per share amounts)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Total interest expense26,24424,06550,13447,175
Net interest income46,08336,51589,54070,492
Provision for credit losses2,2502,5004,9254,400
Net interest income after provision for credit losses43,83334,01584,61566,092
Non-interest income:
Service charges on deposit accounts122196257411
Gain on sale of loans119244
Loan-related fees6794681,944916

Item 1. Financial Statements (unaudited)

FAQ

What is Five Star Bancorp's net interest income (after provisions)?
Five Star Bancorp (FSBC) reported net interest income (after provisions) of $43.83M in Q2 2026.
How has Five Star Bancorp's net interest income (after provisions) changed year-over-year?
Five Star Bancorp's net interest income (after provisions) increased by 28.9% year-over-year, from $34.02M to $43.83M.
What is the long-term trend for Five Star Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Five Star Bancorp's net interest income (after provisions) has grown at a 17.0% compound annual growth rate (CAGR), from $75.91M to $142.21M.
What does net interest income (after provisions) mean?
Represents net interest income adjusted for the provision for credit losses, which accounts for expected future loan defaults. This metric provides a more accurate view of the bank's sustainable earnings after accounting for the inherent risk in its loan portfolio.

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