Five Star Bancorp Balance Sheet Health

Financial Health criteria checks 6/6

Five Star Bancorp has total assets of $3.9B and total equity of $389.9M. Total deposits are $3.4B, and total loans are $3.4B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.05% of total loans. Cash and short-term investments are $255.0M.

Key information

10x

Asset to equity ratio

3.4%

Net interest margin

Total deposits

US$3.40b

Loan to deposit ratio

Appropriate

Bad loans

0.05%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$254.97m

Recent financial health updates

No updates

Recent updates

Five Star Bancorp (NASDAQ:FSBC) Has Affirmed Its Dividend Of $0.20

Oct 24
Five Star Bancorp (NASDAQ:FSBC) Has Affirmed Its Dividend Of $0.20

Some Shareholders May Object To A Pay Rise For Five Star Bancorp's (NASDAQ:FSBC) CEO This Year

May 10
Some Shareholders May Object To A Pay Rise For Five Star Bancorp's (NASDAQ:FSBC) CEO This Year

Five Star Bancorp (NASDAQ:FSBC) Is Due To Pay A Dividend Of $0.20

Apr 25
Five Star Bancorp (NASDAQ:FSBC) Is Due To Pay A Dividend Of $0.20

Five Star Bancorp's (NASDAQ:FSBC) Dividend Will Be $0.15

Jan 26
Five Star Bancorp's (NASDAQ:FSBC) Dividend Will Be $0.15

Five Star Bancorp declares $0.15 dividend

Jul 22

Five Star Bancorp prices 5.3M shares IPO, trading commences today

May 05

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: FSBC's Assets to Equity ratio (10x) is low.

Allowance for Bad Loans: FSBC has a sufficient allowance for bad loans (2041%).

Low Risk Liabilities: 97% of FSBC's liabilities are made up of primarily low risk sources of funding.

Loan Level: FSBC has an appropriate level of Loans to Assets ratio (88%).

Low Risk Deposits: FSBC's Loans to Deposits ratio (101%) is appropriate.

Level of Bad Loans: FSBC has an appropriate level of bad loans (0.1%).


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