The institution maintains a conservative capital structure with an equity-to-assets ratio of 9% as of 2026Q1, providing a buffer against its rapid asset expansion strategy.
| Cash & Short Term Investments | 2.44B | 567.57M | 454.66M | 435.52M | 385.83M | 588.6M | 429.15M | 274.51M | 24.62M | 28.71M | 25.15M |
| Cash & Due from Banks | 598.24M | 472.87M | 356.46M | 327.43M | 269.84M | 439.79M | 314.2M | 197.31M | 6.29M | 10.4M | 7.41M |
| Short Term Investments | 91.72M | 94.7M | 98.19M | 108.08M | 115.99M | 148.81M | 114.95M | 77.2M | 18.33M | 18.31M | 17.75M |
| Total Investments | 91.72M | 4.14B | 3.61B | 3.18B | 2.9B | 2.08B | 1.61B | 1.26B | 23.04M | 27.04M | 23.52M |
| Investments Growth % | -57% | 14.73% | 13.57% | 9.63% | 39.22% | 29.08% | 27.87% | 5373.14% | -14.78% | 14.96% | - |
| Long-Term Investments | 11.72B | 4.08B | 3.51B | 3.07B | 2.78B | 1.93B | 1.5B | 1.18B | 4.71M | 8.72M | 5.77M |
| Accounts Receivables | 0 | 11.9M | 10.29M | 8.97M | 7.45M | 5.33M | 5.42M | 3.48M | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 2.21M | 2.08M | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 2.21M | 2.08M | 0 | 0 | 0 | 0 |
| PP&E (Net) | 12.52M | 12.91M | 7.83M | 6.91M | 5.59M | 1.77M | 1.66M | 1.29M | 2.73M | 3.06M | 3.17M |
| Other Assets | 0 | 614.45M | 56.67M | 59.49M | 46.5M | 26.27M | 17.92M | 16.71M | 294.6M | 272.45M | 238.15M |
| Total Current Assets | 689.95M | 45.88M | 479.03M | 458.1M | 393.28M | 593.93M | 434.57M | 277.99M | 25.5M | 29.53M | 25.81M |
| Total Non-Current Assets | 12.52M | 4.71B | 3.57B | 3.14B | 2.83B | 1.96B | 1.52B | 1.2B | 302.77M | 284.85M | 247.91M |
| Total Assets | 4.88B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B | 1.95B | 1.48B | 328.27M | 314.38M | 273.72M |
| Asset Growth % | 73.09% | 17.31% | 12.81% | 11.34% | 26.22% | 30.86% | 32.02% | 350.81% | 4.42% | 14.85% | - |
| Return on Assets (ROA) | 1.44% | 1.4% | 1.19% | 1.4% | 1.55% | 1.88% | 2.09% | 3.24% | 0.07% | 0.29% | 0.19% |
| Accounts Payable | 0 | 0 | 0 | 0 | 14.48M | 7.44M | 7.67M | 5.98M | 0 | 0 | 0 |
| Total Debt | 0 | 97.78M | 80.75M | 249.35M | 177.85M | 28.39M | 28.32M | 53.25M | 71.83M | 64.45M | 56.81M |
| Net Debt | -598.24M | -375.09M | -275.71M | -78.08M | -91.99M | -411.41M | -285.88M | -144.06M | 65.53M | 54.05M | 49.41M |
| Long-Term Debt | 0 | 85.91M | 73.89M | 243.75M | 173.61M | 28.39M | 28.32M | 53.25M | 58.08M | 51.45M | 56.81M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13.75M | 13M | 0 |
| Other Liabilities | 0 | 4.22B | 17.91M | 31.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 2M | 3.56B | 3.03B | 2.8B | 2.29B | 1.79B | 1.32B | 13.75M | 13M | 0 |
| Total Non-Current Liabilities | 0 | 4.31B | 98.66M | 280.45M | 177.85M | 28.39M | 28.32M | 53.25M | 58.3M | 51.69M | 57.12M |
| Total Liabilities | 4.57B | 4.31B | 3.66B | 3.31B | 2.97B | 2.32B | 1.82B | 1.37B | 296.76M | 283.33M | 241.86M |
| Total Equity | 451.47M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M | 133.78M | 108.88M | 31.51M | 31.06M | 31.86M |
| Equity Growth % | 43.63% | 12.41% | 38.79% | 13.03% | 7.56% | 75.7% | 22.87% | 245.5% | 1.47% | -2.52% | - |
| Equity / Assets (Capital Ratio) | 9.25% | 9.38% | 9.79% | 7.95% | 7.83% | 9.19% | 6.85% | 7.36% | 9.6% | 9.88% | 11.64% |
| Return on Equity (ROE) | 15.38% | 14.63% | 13.39% | 17.73% | 18.37% | 23.01% | 29.61% | 41.74% | 0.67% | 2.71% | 1.61% |
| Book Value per Share | - | 20.96 | 19.63 | 16.63 | 14.73 | 15.67 | 8.22 | 58.71 | 16.59 | 16.29 | 16.70 |
| Tangible BV per Share | - | 20.96 | 19.63 | 16.63 | 14.73 | 15.53 | 8.10 | 58.71 | 16.59 | 16.29 | 16.70 |
| Common Stock | 304.37M | 303.99M | 302.53M | 220.5M | 219.54M | 218.44M | 110.08M | 96.11M | 19K | 19K | 19K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 164.26M | 150.99M | 106.46M | 77.04M | 46.74M | 17.17M | 22.35M | 12.79M | 16.21M | 16.08M | 15.92M |
| Accumulated OCI | -10.12M | -9.14M | -12.37M | -11.77M | -13.45M | -566K | 1.34M | -26K | -183K | -165K | -85K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE Concentration Vulnerability
As reported in recent financial statements, Five Star Bancorp grew total assets from $3.5 billion in 2024Q1 to $4.9 billion by 2026Q1, reflecting an aggressive expansion strategy that prioritizes rapid loan book growth over the maintenance of a large, static investment securities portfolio.
The shift from a $3.2 billion securities portfolio in 2024Q1 to a significantly reduced position by 2026Q1 suggests management is actively reallocating capital toward higher-yielding commercial lending opportunities. This trajectory indicates a bank transitioning from a passive investment posture to a more aggressive, relationship-driven commercial banking model.
Based on the provided quarterly data, the equity-to-assets ratio has remained relatively stable near 9% to 10%, which, according to regulatory filings, provides a sufficient capital buffer to support the bank's rapid asset growth while maintaining a conservative leverage profile compared to regional peers.
The bank's ability to sustain this capital ratio while expanding its asset base by nearly 40% over two years implies strong internal capital generation. Investors should monitor whether this capital adequacy can be maintained if the recent spike in provision expenses persists, potentially pressuring future retained earnings.
According to the latest balance sheet data, cash and cash equivalents increased to $598.2 million in 2026Q1, a significant rise from the $191.2 million reported in 2024Q1, suggesting a deliberate move to bolster liquidity in anticipation of potential credit volatility within the commercial loan portfolio.
This liquidity build-up appears to be a defensive measure, likely intended to offset the risks associated with the bank's concentrated commercial real estate exposure. The shift away from investment securities toward cash suggests management is prioritizing immediate funding availability over the yield-enhancement benefits of a larger securities book.
As indicated by the $17.4 million provision for credit losses recorded in 2026Q1, the bank is proactively addressing potential asset quality deterioration, a sharp departure from the more modest provisioning levels observed throughout 2024 and 2025, according to the company's quarterly financial disclosures.
This sudden increase in provisioning warrants close investigation, as it may imply that management has identified specific stress points within the commercial real estate segment. The bank's reliance on a concentrated regional market makes it particularly sensitive to localized economic shifts that could necessitate further reserve building.
Quick answers to the most common questions about buying FSBC stock.
As of 2025, Five Star Bancorp (FSBC) had total assets of $4.75B including $45.9M in current assets.
Five Star Bancorp (FSBC) carries total debt of $97.8M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Five Star Bancorp (FSBC) has total shareholders' equity (book value) of $445.8M ($20.96 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Five Star Bancorp (FSBC) reported a current ratio of 22.99x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.