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High materiality8/10

FSBC Q2 2026 earnings show loan growth, deposits, and dividend boost

Jul 22, 2026, 4:05 PM EDT1 sourcesAI-analyzed

Why it may matterVerify against the original reporting

Dividend boost coupled with solid loan growth and deposit momentum can drive near-term upside, especially given solid capitalization (CET1 near 9.98%). However, asset quality stress (NPLs) and margin compression are common overhangs for small banks, requiring confirmation of trends in the next few quarters.

AI summary

What happened, with direct paths to the underlying reporting

Five Star Bancorp posted Q2 2026 net income of $19.4M, or $0.91 per share, driven by 7% loan growth and 7% deposit growth. Net interest margin declined to 3.63% as rapid balance-sheet expansion pressured yields. The company also declared a $0.25 per-share dividend, with an additional $0.25 planned for August 10, 2026, signaling ongoing capital return.

Five Star Bancorp Q2 2026 net income $19.4M; EPS $0.91.
Net interest margin 3.63%, down 7 bps QoQ.
Loans held for investment up 7% QoQ; deposits up 7%.
NPL ratio rises to 0.30% due to one CRA loan.
Dividend: $0.25 per share; second $0.25 planned for Aug 10, 2026.

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