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Five Star Bancorp key statistics and ratios

In fiscal 2025, Five Star Bancorp had return on equity of 14.6% and a net margin of 38.9%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin48.2%50.0%40.6%40.3%36.2%38.9%40.5%
Return on equity26.9%23.0%18.4%17.7%13.4%14.6%15.7%
Return on assets1.8%1.9%1.5%1.4%1.2%1.4%1.4%
Effective tax rate3.6%10.0%28.7%28.3%29.4%26.4%25.3%
Dividends ÷ net income—122.4%34.2%27.1%35.6%27.7%26.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: FSBC vs KRNYBCAL vs FSBCFINW vs FSBC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Five Star Bancorp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Five Star Bancorp.