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Five Star Bancorp FSBC Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Equity Bancshares logo
Equity BancsharesEQBK
$1.4M-61.1%
Burke & Herbert Financial Services Corp. logo
Burke & Herbert Financial Services Corp.BHRB
$1.48M+24.0%
Heritage Financial logo
Heritage FinancialHFWA
$1.12M+21.9%
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$2.17M+16.9%
First Bancorp logo
First BancorpFBNC
$1.34M+9.1%
NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$853K-17.3%

Other financials

Income statement

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Revenue$45.1M+27.6%
Net income$18.6M+42.0%
EPS (diluted)$0.87+40.3%

Balance sheet

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Cash & equivalents$644.4M+42.4%
Total debt$11.5M+75.2%
Total equity$458.5M+12.8%
Total assets$5.0B+18.5%

Cash flow

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Operating cash flow$18.9M+22.3%
CapEx$168.0K+68.0%
Free cash flow$18.8M+22.0%

Valuation

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Market cap$1.01B+78.6%
Enterprise value$377.42M+215%
P/E15.1×+3.3×
P/S+1.8×

Profitability

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Net margin39.9%+3.7pp
FCF margin44.5%-5.5pp

Returns & leverage

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Return on equity15.5%+1.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Five Star Bancorp in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: Five Star Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Five Star Bancorp's bank owned life insurance income?
Five Star Bancorp (FSBC) reported bank owned life insurance income of $225K in Q1 2026.
How has Five Star Bancorp's bank owned life insurance income changed year-over-year?
Five Star Bancorp's bank owned life insurance income increased by 39.8% year-over-year, from $161K to $225K.
What is the long-term trend for Five Star Bancorp's bank owned life insurance income?
Over 4 years (2021 to 2025), Five Star Bancorp's bank owned life insurance income has grown at a 36.6% compound annual growth rate (CAGR), from $237K to $824K.
What does bank owned life insurance income mean?
This metric represents the income generated from life insurance policies held by the bank on the lives of key employees or executives. It serves as a non-interest income stream that helps offset the cost of employee benefit programs. Investors monitor this to assess the contribution of tax-advantaged earnings to the bank's bottom line.