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Five Star Bancorp FSBC FDIC assessments

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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$1.13B+78.2%
Enterprise value$456.71M+188%
P/E15.7×+3.5×
P/S6.4×+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:FederalDepositInsuranceCorporationPremiumExpense.

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
Salaries and employee benefits11,4218,91022,85118,044
Occupancy and equipment8736571,7021,294
Data processing and software1,7091,5083,2602,965
Federal Deposit Insurance Corporation (“FDIC”) insurance5854701,130925
Professional services9529181,8781,831
Advertising and promotional9598651,7031,387
Loan-related expenses304423551742
Other operating expenses2,8131,9753,9353,583

Item 1. Financial Statements (unaudited)

FAQ

What is Five Star Bancorp's FDIC assessments?
Five Star Bancorp (FSBC) reported FDIC assessments of $585K in Q2 2026.
How has Five Star Bancorp's FDIC assessments changed year-over-year?
Five Star Bancorp's FDIC assessments increased by 24.5% year-over-year, from $470K to $585K.
What is the long-term trend for Five Star Bancorp's FDIC assessments?
Over 4 years (2021 to 2025), Five Star Bancorp's FDIC assessments has grown at a 29.2% compound annual growth rate (CAGR), from $700K to $1.95M.
What does FDIC assessments mean?
This metric represents the mandatory insurance premiums paid to the FDIC to protect customer deposits. It is a regulatory cost that scales based on the bank's deposit base and risk profile. Investors track this to understand the impact of regulatory requirements on the bank's non-interest expense structure.

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