Five Star Bancorp Q1 FY26 net income rises 42.04% to $18.62 million

• Five Star Bancorp net income climbed to $18.62 million, lifting basic EPS to $0.87.
• Net interest income rose 27.9% to $43.46 million, widening net interest margin by 25 basis points to 3.7%.
• Efficiency ratio improved to 38.57% from 42.58%.
• Total deposits increased 6.39% to $4.47 billion, while loans held for investment grew 3.4% to $4.21 billion.
• Credit quality stayed firm with non-accrual loans at $2.82 million, or 0.07% of loans held for investment.

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