44.29
+0.41%
Close of 9 Nov 2026, in USD
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About Five Star Bancorp
From its filings with the US Securities and Exchange Commission
Five Star Bancorp is based in Rancho Cordova, California and is incorporated in California. Its shares trade on Nasdaq under the ticker FSBC. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $61.6m. At that date it held total assets of $4.75bn and shareholders' equity of $445.8m.
In May 2021, the Company completed its IPO, in connection with which the Company terminated its status as a Subchapter S corporation as of May 5, 2021 and became a taxable C Corporation.
The Company, through the Bank, provides financial services to customers who are predominately small and middle-market businesses, professionals, and individuals primarily in the Northern California region. Our primary loan products are commercial real estate loans, land development loans, construction loans, and operating lines of credit and our primary deposit products are checking accounts, savings accounts, money market accounts, and term certificate accounts.
Our principal geographic market is the Roseville/Sacramento/Rancho Cordova/Elk Grove area (the “Greater Sacramento Area”). The Greater Sacramento Area has a profitable and productive economy driven by the governmental, education, technology, health care, agricultural, and manufacturing sectors. Since 2016, our market share of the total deposits in the Greater Sacramento Area has increased significantly, according to the FDIC Deposit Market Share Reports. We believe that our market growth confirms the quality of the purpose-driven and integrity-centered banking that we strive to deliver to our customers.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 5 May 2021
- Employees
- 233
- Website
- fivestarbank.com ↗
- Head office
- 3100 ZINFANDEL DRIVE, RANCHO CORDOVA, CA, 95670
- Incorporated in
- CA
- Classification
- State Commercial Banks
- Filer status
- <br>Emerging growth company
Leadership
Pay as last reported
- Mr. Robert Perry-SmithIndependent Chairman of the Board$128,737
- Mr. James BeckwithPresident, Chief Executive Officer, Director, since 2003$1.5m
- Capt. Randall ReynosoIndependent Vice Chairman of the Board$85,237
- Ms. Heather LuckChief Financial Officer, Executive Vice President$569,136
- Ms. Lydia RamirezChief Operating Officer, Executive Vice President
- Mr. Don KurtzeExecutive Vice President and San Francisco Bay Area Region President
- Mr. Brett WaitSenior Vice President, Chief Information Officer
- Ms. Shelley WettonSenior Vice President, Chief Marketing Officer
- Mr. John DaltonSenior Vice President, Chief Credit Officer$468,339
- Mr. Michael LeeSenior Vice President, Chief Regulatory Officer
- Mr. Michael RizzoSenior Vice President, Chief Banking Officer$570,391
- Mr. David NickumDirector, since 2010$77,737
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 45
- Environment
- 14
- Social
- 54
- Governance
- 66
- Women in the workforce
- 62.7%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Five Star Bancorp boasts several key strengths that contribute to its success in the market. With a strong financial position, the company has ample resources to invest in growth opportunities and weather potential challenges. Additionally, Five Star Bancorp has built a solid reputation for its exceptional customer service, which has resulted in a loyal customer base. The company also benefits from its technologically advanced infrastructure, enabling efficient operations and innovative product development.
Weaknesses
- While Five Star Bancorp possesses many strengths, it also faces certain weaknesses that could hinder its performance. One of the primary concerns is its relatively small market share compared to larger competitors. This limits the company's ability to leverage economies of scale and may make it vulnerable to market fluctuations. In addition, Five Star Bancorp may lack the same level of brand recognition as more established players in the industry, which can impact its ability to attract new customers and compete effectively.
Opportunities
- Five Star Bancorp has several opportunities to capitalize on in the market. The growing demand for digital banking services presents a chance for the company to expand its online presence and offer innovative financial solutions. Additionally, acquisitions or strategic partnerships can provide Five Star Bancorp with access to new customer segments or geographic markets, accelerating its growth potential. Moreover, as regulations evolve, the company can adapt and position itself as a leader in compliance and regulatory practices.
Threats
- Five Star Bancorp faces certain threats that pose risks to its business operations. One significant threat is increasing competition from both traditional banks and fintech startups. These competitors may offer more attractive products, services, or pricing, potentially eroding Five Star Bancorp's market share. Economic downturns can also impact the company's profitability, as customers may face financial challenges, leading to loan defaults and decreasing demand for banking services. Additionally, regulatory changes can introduce compliance burdens, affecting the company's operations and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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