Five Star Bancorp

Q2 FY2026 EarningsQ2 FY26 beat consensus on the bottom line with Diluted EPS of $0.91 vs. $0.86 expected, despite a slight miss in Net Interest Margin (NIM). Revenue was largely in-line at $48.0M (+0.48% variance), driven by a 17.25% YoY increase in average loan balances. The earnings beat was significantly aided by a lower effective tax rate of 25.64% compared to the 27.67% consensus, and robust deposit growth which saw total deposits rise 14.24% YTD. Asset quality remains stable, though one large CRA loan placement on non-accrual status caused a spike in nonperforming loan ratios.