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EarningsQ2 2026 Earnings Report
FSBC Q2 2026 EPS Results
Actual EPS$0.91
Consensus EPS$0.86
Beat/MissBeat by +$0.05
One Year Ago EPS$0.68
FSBC Q2 2026 Revenue Results
Actual Revenue$74.20M
Expected Revenue$47.72M
Beat/MissBeat by +$26.48M
YoY Revenue Growth+18.93%
Earnings Announcement Details
QuarterQ2 2026
Date07/22/2026
TimeAfter Close
Conference CallWednesday, July 22, 2026
FSBC Upcoming Earnings
Five Star's next earnings date is estimated for November 2, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
FSBC Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a generally positive performance driven by strong organic growth in loans and deposits, rising net interest income, healthy capital ratios, geographic expansion, and employee recognition. Key challenges included modest NIM compression, higher operating expenses that increased the efficiency ratio, a small uptick in non-performing loans due to a single non-accrual CRA loan, and a modest provision for credit losses. Overall, the positives — particularly rapid balance sheet growth, improving core deposit composition, and solid earnings — outweighed the limited credit and expense headwinds.Company Guidance
Net Income and EPS Growth
Net income of $19.4 million in Q2 2026, up 4% from Q1 2026; diluted EPS $0.91, up $0.04 QoQ and up $0.23 YoY versus Q2 2025.
Robust Loan Growth
Loans held for investment grew by $306.3 million in the quarter, representing a 29% annualized increase and reaching $4.5 billion at June 30, 2026.
Strong Deposit Growth and Core Funding Shift
Total deposits increased by $330 million (30% annualized). Non-wholesale deposits rose by $463.1 million and now represent ~94.79% of total deposits (up from 91.43% at March 31, 2026), reflecting a shift toward a more stable core deposit base.
Net Interest Income Expansion
Net interest income increased to $46.1 million in Q2 2026, a 6.04% increase from $43.5 million in Q1 2026, driven primarily by volume growth in loans and interest-bearing balances.
Balance Sheet and Asset Growth
Total assets grew from $4.4 billion to $5.4 billion year-over-year (approximately +22.7% YoY), with increases driven by commercial real estate (+$175.3 million) and purchased consumer loans (+$124.5 million).
Capital and Liquidity Position
All capital ratios remained above regulatory thresholds, including a Common Equity Tier 1 ratio of 9.98% and a Tier 1 leverage ratio of 9.21%. Cash and cash equivalents were $685.1 million (14.2% of total deposits).
Dividend and Shareholder Returns
Paid a cash dividend of $0.2925 per share in Q2 and declared an additional $0.25 cash dividend to be paid in August 2026, demonstrating continued capital return to shareholders.
Strategic Expansion and Recognition
Expanded presence in Southern California with five experienced hires and plans for an additional office; opened a new full-service branch in Lodi on July 13. Named #1 Best Places to Work by the San Francisco Business Times (25–49 employee category).
Loan Profile Flexibility and Underwriting
Approximately 74% of loans held for investment are adjustable or floating rate, providing flexibility in a volatile interest rate environment. Management emphasized conservative underwriting and active loan monitoring.
FSBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed