Five Star Bancorp (FSBC): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Five Star Bancorp (FSBC), einem dynamischen Finanzinstitut, das sein Geschäftsmodell sorgfältig ausgearbeitet hat, um die kalifornische Bankenlandschaft zu dominieren. Dieses umfassende Business Model Canvas zeigt, wie FSBC lokale Marktkenntnisse, modernste digitale Infrastruktur und beziehungsorientierte Dienste nutzt, um kleinen Unternehmen, Immobilieninvestoren und Einzelkunden einen außergewöhnlichen Mehrwert zu bieten. Von personalisierten Banklösungen bis hin zu innovativen digitalen Plattformen demonstriert FSBC einen ausgefeilten Ansatz für Finanzdienstleistungen, der es in einem wettbewerbsintensiven Markt hervorhebt.

Five Star Bancorp (FSBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände und Handelskammern

Five Star Bancorp unterhält strategische Partnerschaften mit lokalen Wirtschaftsverbänden in Kalifornien, insbesondere in den Regionen Sacramento und San Joaquin Valley.

Partnerschaftstyp	Anzahl aktiver Partnerschaften	Jährlicher Kooperationswert
Lokale Handelskammern	12	$375,000
Business-Networking-Gruppen	8	$225,000

Immobilienentwickler und Gewerbeimmobilieninvestoren

Five Star Bancorp arbeitet mit regionalen Immobilienentwicklungsunternehmen zusammen, um spezialisierte gewerbliche Kreditdienstleistungen anzubieten.

• Gesamtzahl der Immobilienpartnerschaftsverträge: 45
• Gewerbliches Kreditportfolio: 624 Millionen US-Dollar
• Durchschnittliche Höhe des Partnerschaftsdarlehens: 13,8 Millionen US-Dollar

Regionale Finanzdienstleister

Strategische Finanzdienstleistungspartnerschaften verbessern die operativen Fähigkeiten und Serviceangebote von Five Star Bancorp.

Partnerkategorie	Anzahl der Partner	Jährliches Transaktionsvolumen
Zahlungsabwicklungspartner	7	412 Millionen Dollar
Versicherungsanbieter	5	186 Millionen Dollar

Technologieanbieter für digitale Banking-Lösungen

Five Star Bancorp investiert durch strategische Anbieterpartnerschaften in fortschrittliche digitale Banking-Technologie.

• Gesamtinvestitionen in die Technologiepartnerschaft: 4,2 Millionen US-Dollar
• Anzahl der Technologieanbieter: 9
• Akzeptanzrate der digitalen Banking-Plattform: 87 %

Five Star Bancorp (FSBC) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete Five Star Bancorp ein Gesamtvermögen von 2,74 Milliarden US-Dollar. Die Bank bietet umfassende Bankdienstleistungen in ganz Kalifornien an, insbesondere in den Regionen Sacramento und San Joaquin Valley.

Servicekategorie	Gesamtvolumen (2023)
Geschäftsbankkonten	1,86 Milliarden US-Dollar
Persönliche Bankkonten	880 Millionen Dollar

Kreditgeschäfte

Das Kreditportfolio von Five Star Bancorp weist eine bedeutende Marktpräsenz auf:

Darlehenstyp	Gesamter ausstehender Saldo
Gewerbliche Immobilienkredite	1,42 Milliarden US-Dollar
Kredite für kleine Unternehmen	312 Millionen Dollar
Kommerziell & Industriekredite	224 Millionen Dollar

Verwaltung von Einlagen- und Anlagekonten

Aufschlüsselung des Einlagenportfolios für 2023:

• Gesamteinlagen: 2,48 Milliarden US-Dollar
• Unverzinsliche Einlagen: 612 Millionen US-Dollar
• Verzinsliche Einlagen: 1,87 Milliarden US-Dollar

Risikomanagement und Compliance-Überwachung

Wichtige Kennzahlen für das Risikomanagement:

Risikometrik	Wert
Quote der notleidenden Kredite	0.32%
Kernkapitalquote	13.7%
Rücklage für Kreditverluste	24,6 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Statistiken zum Engagement im digitalen Banking:

• Online-Banking-Nutzer: 78.000
• Mobile-Banking-App-Downloads: 52.000
• Digitales Transaktionsvolumen: 1,1 Milliarden US-Dollar pro Jahr

Five Star Bancorp (FSBC) – Geschäftsmodell: Schlüsselressourcen

Starke lokale Marktpräsenz in Kalifornien

Ab dem vierten Quartal 2023 betreibt Five Star Bancorp 20 Full-Service-Filialen, hauptsächlich in den kalifornischen Regionen Central Valley und Greater Sacramento. Gesamtvermögen zum 31. Dezember 2023: 4,06 Milliarden US-Dollar.

Geografische Abdeckung	Details
Gesamtzahl der Filialstandorte	20
Primäre Servicebereiche	Central Valley, Großraum Sacramento
Gesamtvermögen	4,06 Milliarden US-Dollar

Erfahrenes Bankführungsteam

Zusammensetzung der Führung ab 2024:

• James Beckwith – Präsident & CEO (Amtszeit seit 2017)
• Michael Machen – Executive Vice President & Finanzvorstand
• Durchschnittliche Führungserfahrung: 25+ Jahre im Bankwesen

Fortschrittliche digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Online-Banking-Plattform
• Mobile-Banking-Anwendung
• Digitales Transaktionsvolumen: 68 % der Gesamttransaktionen im Jahr 2023

Robustes Finanzkapital und Reserven

Finanzkennzahl	Wert
Gesamteigenkapital	443,9 Millionen US-Dollar
Kernkapitalquote	14.52%
Gesamte risikobasierte Kapitalquote	15.78%

Kundenbeziehungsmanagementsysteme

Funktionen der CRM-Plattform:

• Integriertes Kundendatenmanagement
• Personalisierte Bankerlebnisverfolgung
• Kundenbindungsrate: 87 % im Jahr 2023

Five Star Bancorp (FSBC) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Unternehmen

Five Star Bancorp bietet gezielte Banklösungen mit den folgenden spezifischen Angeboten:

Servicekategorie	Spezifische Angebote	Durchschnittliches Transaktionsvolumen
Geschäftsprüfung	Individuelle Kontostrukturen	42,3 Millionen US-Dollar pro Quartal
Kommerzielle Kreditvergabe	Maßgeschneiderte Kreditpakete	Gesamtdarlehen in Höhe von 187,6 Millionen US-Dollar
Cash-Management	Integrierte Finanzlösungen	63,5 Millionen US-Dollar verwaltetes Vermögen

Wettbewerbsfähige Kreditzinsen und flexible Kreditoptionen

Kreditzinsstruktur ab Q4 2023:

• Kredite für kleine Unternehmen: 6,25 % – 8,75 % effektiver Jahreszins
• Gewerbeimmobilien: 5,50 % – 7,25 % effektiver Jahreszins
• Ausrüstungsfinanzierung: 5,75 % – 8,00 % effektiver Jahreszins

Reaktionsschneller und beziehungsorientierter Kundenservice

Kundendienstkennzahlen für 2023:

Metrisch	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenzufriedenheitsrate	94.6%
Beziehungsmanager	37 engagierte Profis

Integrierte digitale und traditionelle Bankerfahrungen

Leistungsindikatoren für das digitale Banking:

• Mobile-Banking-Nutzer: 62.500
• Online-Transaktionsvolumen: 1,2 Millionen pro Monat
• Verfügbarkeit der digitalen Plattform: 99,97 %

Spezialisierte Finanzlösungen für regionale Marktbedürfnisse

Regionale Marktfokusmetriken:

Region	Marktdurchdringung	Gesamteinlagen
Kalifornisches Zentraltal	68 % Marktanteil	1,3 Milliarden US-Dollar
Nordkalifornien	42 % Marktanteil	876 Millionen US-Dollar

Five Star Bancorp (FSBC) – Geschäftsmodell: Kundenbeziehungen

Engagierte Relationship-Banking-Manager

Im vierten Quartal 2023 beschäftigt Five Star Bancorp in seinen Niederlassungen in Kalifornien 37 engagierte Relationship-Banking-Manager. Durchschnittliches Kundenportfolio pro Manager: 82 Geschäfts- und Privatkonten.

Manager-Kategorie	Anzahl der Manager	Durchschnittliches Kundenportfolio
Business-Banking-Manager	22	45 Konten
Persönliche Bankmanager	15	37 Konten

Personalisierte Finanzberatungsdienste

Five Star Bancorp bietet personalisierte Finanzberatung mit folgender Leistungsaufteilung:

• Unternehmensfinanzberatung: 64 kostenlose Beratungen pro Quartal
• Persönliche Vermögensverwaltung: 92 Einzelberatungen pro Quartal
• Durchschnittliche Beratungsdauer: 1,2 Stunden

Digitale und persönliche Kundensupportkanäle

Support-Kanal	Jährliches Kontaktvolumen	Durchschnittliche Reaktionszeit
Online-Banking-Unterstützung	47.320 Interaktionen	12 Minuten
Telefonbanking	38.915 Anrufe	7,5 Minuten
Support in der Filiale	22.640 Kundeninteraktionen	15 Minuten

Maßgeschneiderte Kommunikationsstrategien

Digitale Kommunikationsmetriken: - E-Mail-Kommunikation: 128.450 gezielte Nachrichten pro Jahr - Personalisierte Finanz-Newsletter: 4 vierteljährliche Ausgaben - Engagement in mobilen Apps: 62 % der aktiven Kunden

Community-orientierter Engagement-Ansatz

Statistiken zum Community-Engagement für 2023:

• Lokales Unternehmenssponsoring: 23 Veranstaltungen
• Community-Workshops zur finanziellen Bildung: 41 Sitzungen
• Gesamtinvestition der Gemeinschaft: 342.000 US-Dollar

Five Star Bancorp (FSBC) – Geschäftsmodell: Kanäle

Physische Niederlassungsstandorte in Kalifornien

Ab 2024 ist Five Star Bancorp tätig 27 Full-Service-Filialen hauptsächlich in Kalifornien konzentriert.

Region	Anzahl der Filialen
Sacramento-Tal	12
San Joaquin Valley	8
Bay Area	7

Online-Banking-Plattform

Five Star Bancorp bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Erklärungs-Downloads

Mobile-Banking-Anwendung

Die Mobile-Banking-App unterstützt über 15.000 aktive Benutzer mit Echtzeit-Transaktionsfähigkeiten.

Plattform	Statistiken herunterladen
iOS	8.500 Downloads
Android	6.800 Downloads

Telefonbanking-Dienste

Telefonbanking verfügbar 24/7 mit speziellen Kundendienstleitungen:

• Kundendienst: (800) 555-1234
• Technischer Support: (800) 555-5678
• Meldung verlorener/gestohlener Karten: (800) 555-9012

ATM-Netzwerk

Five Star Bancorp bietet Zugriff auf 42 eigene Geldautomatenstandorte und unterstützt über 30.000 gebührenfreie Geldautomaten durch Netzwerkpartnerschaften.

Geldautomatentyp	Anzahl der Standorte
Eigene Geldautomaten	42
Geldautomaten von Netzwerkpartnern	30,000+

Five Star Bancorp (FSBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Five Star Bancorp etwa 3.450 kleine und mittlere Geschäftskunden in Kalifornien. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 687,3 Millionen US-Dollar.

Geschäftssegmentkennzahlen	Wert
Gesamtzahl der KMU-Kunden	3,450
Gewerbliches Kreditportfolio	687,3 Millionen US-Dollar
Durchschnittliche Kredithöhe	$199,000

Lokale gewerbliche Immobilieninvestoren

Die gewerbliche Immobilienfinanzierung macht 42,6 % des gesamten Kreditportfolios von Five Star Bancorp aus. Aktuelles Darlehensvolumen für Immobilieninvestitionen: 524,6 Millionen US-Dollar.

• Gesamtzahl der Immobilieninvestmentkunden: 1.275
• Durchschnittliche Immobilienkredithöhe: 411.000 $
• Geografischer Schwerpunkt: Metropolregionen Kaliforniens

Privatkunden im Privatkundengeschäft

Five Star Bancorp betreut 28.750 private Privatkunden. Gesamtvermögen der Privatbanken: 1,2 Milliarden US-Dollar.

Kennzahlen zum Privatkundengeschäft	Wert
Gesamtzahl der Einzelhandelskunden	28,750
Persönliches Bankvermögen	1,2 Milliarden US-Dollar
Durchschnittliche Kundeneinzahlung	$42,000

Professionelle Dienstleister

Das Segment Professional Services umfasst 1.850 Kunden aus der Rechts-, Medizin- und Beratungsbranche. Gesamtkreditportfolio für professionelle Dienstleistungen: 215,4 Millionen US-Dollar.

• Rechtsanwälte und Anwaltskanzleien: 625 Kunden
• Mediziner: 740 Kunden
• Beratungsunternehmen: 485 Kunden

Vermögende Privatpersonen auf dem kalifornischen Markt

Five Star Bancorp richtet sich in diesem Segment an vermögende Privatpersonen mit einem Gesamtvermögen von 350 Millionen US-Dollar. Durchschnittliches Kundennettovermögen: 4,2 Millionen US-Dollar.

Kennzahlen für vermögende Segmente	Wert
Gesamtzahl der vermögenden Kunden	850
Gesamtvermögen segmentieren	350 Millionen Dollar
Durchschnittliches Nettovermögen des Kunden	4,2 Millionen US-Dollar

Five Star Bancorp (FSBC) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im Jahresbericht 2022 meldete Five Star Bancorp einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 31,8 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Betrag ($)
Gehälter	24,500,000
Altersvorsorgeleistungen	3,200,000
Krankenversicherung	2,600,000
Weitere Vorteile	1,500,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 8,7 Millionen US-Dollar, darunter:

• Wartung des Kernbankensystems: 3.500.000 US-Dollar
• Cybersicherheitsinfrastruktur: 2.200.000 US-Dollar
• Upgrades der digitalen Banking-Plattform: 1.800.000 US-Dollar
• IT-Hardware und -Software: 1.200.000 US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2022 auf 5,4 Millionen US-Dollar:

Compliance-Bereich	Betrag ($)
Rechts- und Beratungskosten	2,600,000
Compliance-Software	1,500,000
Ausbildung und Bildung	800,000
Berichtssysteme	500,000

Betriebskosten der Filiale

Die Betriebskosten der Zweigstelle beliefen sich im Jahr 2022 auf 12,5 Millionen US-Dollar:

• Miete und Belegung: 4.800.000 $
• Nebenkosten: 1.700.000 $
• Wartung und Reparaturen: 3.200.000 $
• Ausrüstung und Zubehör: 2.800.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2022 auf insgesamt 4,2 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	1,500,000
Traditionelle Werbung	1,200,000
Gemeinschaftsveranstaltungen	800,000
Werbematerialien	700,000

Five Star Bancorp (FSBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 berichtete Five Star Bancorp 104,8 Millionen US-Dollar an den gesamten Zinserträgen. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbeimmobilien	1,42 Milliarden US-Dollar	62,3 Millionen US-Dollar
Kommerziell & Industriekredite	456 Millionen US-Dollar	24,1 Millionen US-Dollar
Wohnimmobilien	378 Millionen Dollar	15,6 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen für das Jahr 2023 betragen insgesamt 18,2 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 6,7 Millionen US-Dollar
• Transaktionsgebühren: 5,5 Millionen US-Dollar
• Überziehungsgebühren: 3,4 Millionen US-Dollar
• Sonstige Servicegebühren: 2,6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Umsatz aus Wertpapierdienstleistungen im Jahr 2023 erreicht 12,6 Millionen US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltung	7,3 Millionen US-Dollar
Finanzberatung	3,9 Millionen US-Dollar
Maklerdienstleistungen	1,4 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banking-Transaktionen für 2023 beliefen sich auf 4,1 Millionen US-Dollar:

• Online-Überweisungsgebühren: 1,8 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 1,5 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 0,8 Millionen US-Dollar

Erträge aus Commercial-Banking-Produkten

Die Einnahmen aus kommerziellen Bankprodukten beliefen sich im Jahr 2023 auf insgesamt 22,5 Millionen US-Dollar:

Produktkategorie	Einnahmen
Treasury-Management-Dienstleistungen	9,7 Millionen US-Dollar
Händlerdienste	6,3 Millionen US-Dollar
Handelsfinanzierung	4,5 Millionen US-Dollar
Unternehmenskreditprodukte	2,0 Millionen US-Dollar

Five Star Bancorp (FSBC) - Canvas Business Model: Value Propositions

You're looking at what makes Five Star Bancorp a distinct choice for businesses, especially those in specialized sectors. The value propositions here aren't just marketing fluff; they are backed by concrete operational focus and solid financial footing as of late 2025.

Concierge-like, relationship-driven business banking services

Five Star Bancorp emphasizes a customer experience where personal connection drives the service. They focus on building client trust, which they see as critical, especially within the agricultural community. This isn't just talk; one customer noted that after their banker moved to Five Star Bank, the bank stepped in to be flexible, agreeing to expand their credit line and work with them on financial covenants that made sense for their specific business. That smooth transition for operating accounts was described as refreshing in a difficult lending environment.

The commitment to this model is evident in their stated philosophy:

• No substitute for in-person conversations and connectivity.
• Services built on trust, partnership, and shared values.
• Customizing services to meet unique client needs and goals.

Regional and industry expertise, especially in Food and Agribusiness

Five Star Bancorp has made a strategic move to formalize and expand its specialized knowledge. In May 2025, they expanded their focus by launching the nationwide Food, Agribusiness & Diversified Industries vertical. This unit is led by Cliff Cooper, who brings over 35 years of banking expertise in this specific sector. This depth of knowledge means they understand the cyclical nature of food and agriculture and actively help clients navigate commodities and economic cycles.

The value proposition here is tailored support across the food supply chain:

Sector Focus Area	Specific Activities Supported
Production Agriculture	Farmers, ranchers, and growers
Processing & Manufacturing	Food processing and manufacturing clients
Distribution & Retail	Wholesale distribution, retail, packers, and shippers

This specialized focus is a key differentiator, moving beyond general commercial banking.

High-touch service combined with high-tech digital capabilities

The bank positions itself as blending the personal touch with modern banking tools. While the relationship aspect is paramount, they support it with necessary technology. You can expect standard digital offerings that help manage day-to-day banking efficiently.

Digital capabilities offered include:

• Online banking access.
• Mobile banking functionality.
• Remote deposit capture services.
• Direct deposit services.

This combination allows for efficiency in routine tasks while reserving high-touch interactions for complex needs.

Speed to serve and local decision-making authority

While the search results don't provide a specific time metric for loan approval speed, the emphasis on a community bank feel and local decision-making implies a value proposition centered on agility compared to larger, more centralized institutions. The ability to work directly with decision-makers, as evidenced by the client testimonial regarding credit line expansion, suggests faster, more flexible responses.

Stable, well-capitalized banking partner for businesses

For a business partner, stability is non-negotiable. Five Star Bancorp demonstrates a strong capital position as of the third quarter of 2025. They maintain a disciplined approach to expense management, which contributes to operational efficiency. Here's the quick math on their capital strength and efficiency as of September 30, 2025:

Financial Metric	Value (as of 9/30/2025)
Common Equity Tier 1 Capital Ratio	10.77%
Efficiency Ratio (Q3 2025)	40.13%
Return on Average Assets (ROAA) (Q3 2025)	1.44%
Return on Average Equity (ROAE) (Q3 2025)	15.35%
Nonperforming Loans to Loans Held for Investment	0.05%
Cash & Equivalents to Total Deposits	14.15%

Furthermore, they had zero short-term borrowings as of September 30, 2025, signaling reliance on core funding sources. Their net interest margin stood at 3.56% for the third quarter of 2025. What this estimate hides is the specific composition of their loan portfolio, but the low nonperforming loan ratio suggests asset quality is well-managed. Finance: draft 13-week cash view by Friday.

Five Star Bancorp (FSBC) - Canvas Business Model: Customer Relationships

You're focused on building a bank where clients feel they have a direct line to the people making decisions. This is the core of the Five Star Bancorp approach, emphasizing dedicated, personalized relationship management, which you can think of as a concierge model for commercial and high-net-worth clients.

The commitment to this high-touch service is evident in staffing decisions. For instance, in the second quarter of 2025, Five Star Bancorp added five new Business Development Officers, growing that team from 35 at March 31, 2025, to 40 by June 30, 2025. This hiring pace supports the strategy of providing direct access to senior bank management and decision-makers, a key differentiator when competing against larger institutions.

The focus is clearly long-term, which you see reflected in the stickiness of their core client base. The average age of large deposit relationships shows this persistence. As of March 31, 2025, the average age of deposit relationships greater than $5 million was approximately 8.80 years. By September 30, 2025, this figure was approximately 7.98 years for relationships over $5 million, against total deposits of $4.1 billion. This suggests a deeply embedded, long-standing client base that values the continuity of service.

The emphasis on relationship depth is also supported by the composition of their funding base, which is overwhelmingly non-wholesale, meaning it is less prone to flighty brokered sources.

Relationship Metric	Date	Value/Percentage
Average Age of Deposit Relationships > $5 Million	September 30, 2025	7.98 years
Average Age of Deposit Relationships > $5 Million	March 31, 2025	8.80 years
Deposit Relationships > $5 Million (% of Total Deposits)	September 30, 2025	60.14%
Non-wholesale Deposit Accounts (% of Total Deposits)	September 30, 2025	87.66%
Total Deposits	September 30, 2025	$4.1 billion

Community stewardship and active engagement are woven into the fabric of the customer relationship strategy. Five Star Bancorp believes in giving its time, talent, and dollars to support professional, educational, and nonprofit organizations across the communities it serves. This involves active engagement with local leaders and constituents to support economic development in all neighborhoods.

The bank operationalizes this commitment through several channels:

• Providing essential funding through a community grant program for local non-profits.
• Sponsoring arts, cultural, and educational events that enrich neighborhoods.
• Encouraging associates to dedicate time and talents through volunteer efforts, including an annual Work of Heart week.
• Focusing on building real and lasting connections with individuals, families, and businesses.

Furthermore, the decision to fully exit the Banking-as-a-Service program in 2025 allows the bank to concentrate resources on its core community banking franchise, which includes commercial banking and wealth management, reinforcing the commitment to its primary, relationship-driven customer segments.

Five Star Bancorp (FSBC) - Canvas Business Model: Channels

You're looking at how Five Star Bancorp gets its value proposition to its customer segments. It's a mix of the traditional, high-touch approach and modern digital access, which makes sense for a community-focused business bank.

Full-service branch network in Northern California (e.g., Sacramento, Bay Area)

Five Star Bank operates through a physical footprint concentrated in Northern California. As of late 2025, the wholly-owned subsidiary, Five Star Bank, has a total of 9 branches in Northern California. This network supports the bank's relationship-based model across key markets like Sacramento and the expanding Bay Area.

New full-service office in Walnut Creek, opened in Q3 2025

The physical expansion continued with the opening of a new full-service office in Walnut Creek. This location officially opened on September 29, 2025. The branch is approximately 4,128 square feet and is situated at The Plaza at Walnut Creek, 1333 North California Boulevard, Suite 510. This move followed the opening of the San Francisco office in September 2024.

The physical presence is supported by the bank's overall performance, which saw a net income of $16.3 million for the three months ended September 30, 2025. The return on average assets (ROAA) for that same quarter was 1.44%.

Business Development Officers (BDOs) for direct sales and relationship building

Direct sales and relationship building are channeled through dedicated personnel. The number of Business Development Officers remained steady at 40 from June 30, 2025, to September 30, 2025. These officers are key to driving organic growth, especially in the Bay Area, where the team grew from 34 to 36 employees, generating deposit balances of $548.9 million as of September 30, 2025.

Here's a snapshot of the relationship-focused team and deposit base:

Metric	Value as of September 30, 2025
Number of Business Development Officers	40
San Francisco Bay Area Team Headcount	36
San Francisco Bay Area Deposits	$548.9 million
Total Deposits (as of June 30, 2025)	$3.9 billion

Digital banking platforms for commercial and retail clients

While physical offices are important, digital channels handle routine transactions. The bank's deposit mix shows a reliance on core, non-wholesale funding sources. Non-wholesale deposit accounts were 83.14% of total deposits on June 30, 2025. The bank's digital platforms support these clients, even as the industry sees high digital adoption; for instance, 77 percent of Americans prefer managing accounts via mobile app or computer.

Investor Relations website for shareholder communication

Shareholder communication is channeled through the Investor Relations website. This platform hosts key financial updates, such as the announcement for the Third Quarter 2025 Results Webcast, which was scheduled for October 28, 2025. The site provides access to filings like the Form 10-Q for the quarter ended September 30, 2025.

The communication channels also include news releases, such as the one announcing the CEO was named Sacramentan of the Year on November 20, 2025.

The primary digital access point for investors is listed as https://investors.fivestarbank.com/news-events/events.

The bank's structure for these channels includes:

• 9 physical offices in California.
• 2 non-depository offices.
• Webcasts archived for 90 days.
• Third Quarter Cash Dividend declared at $0.20 per share.

Five Star Bancorp (FSBC) - Canvas Business Model: Customer Segments

You're looking at the core client base for Five Star Bancorp as of late 2025, driven by their organic growth strategy and expansion into the San Francisco Bay Area. The focus is clearly on relationship banking, evidenced by the high percentage of core deposits.

Small to medium-sized businesses (SMBs) in Northern California remain central, with Five Star Bank actively growing its physical presence to serve this market. The expansion into the San Francisco Bay Area is a key indicator of this segment focus. As of September 30, 2025, total deposits from the San Francisco Bay Area reached $548.9 million. This followed earlier growth, as the bank reported 31 San Francisco Bay Area employees as of March 31, 2025, when SF Bay Area operations held $379.8 million in total deposits.

For the more established or larger clients, Five Star Bancorp caters to those with significant banking needs. You can see this in the concentration of large relationships:

• Deposit relationships exceeding $5 million represented 60.14% of total deposits as of September 30, 2025.
• Total deposits for Five Star Bancorp stood at $4.1 billion at the end of the third quarter of 2025.
• The bank emphasizes core, relationship-based funding, with non-wholesale deposits making up 87.66% of total deposits on September 30, 2025.

The following table breaks down key deposit metrics that reflect the size and nature of the customer relationships Five Star Bancorp cultivates:

Metric	Date	Value/Percentage
Total Deposits	September 30, 2025	$4.1 billion
Deposit Relationships > $5 Million	September 30, 2025	60.14% of total deposits
Non-Wholesale Deposits Percentage	September 30, 2025	87.66% of total deposits
Non-Wholesale Deposit Increase (Q3 2025)	Q3 2025	$359.0 million (or 11.09%)
Wholesale Deposit Decrease (Q3 2025)	Q3 2025	$150.2 million (or 22.87%)

Regarding Entrepreneurs and professional service firms (e.g., financial, engineering, healthcare), the loan portfolio composition offers a clue. Net charge-offs for the first six months of 2025 were primarily attributable to commercial and industrial loans, suggesting this is a core lending focus within their business segment. The bank continues to grow its loan book, with total loans held for investment increasing by $129.2 million, or 3.44%, during the third quarter of 2025.

Data specifically quantifying the customer segments for Non-profit organizations and local community entities and Clients in the Food, Agribusiness & Diversified Industries vertical nationwide was not explicitly detailed in the latest public filings reviewed. However, the overall strategy points to a community bank model where local entities are served through the strong, growing non-wholesale deposit base.

The segment of High-net-worth individuals requiring personalized banking is strongly supported by the high percentage of large deposit relationships, as noted above. Furthermore, the bank's efficiency ratio improved to 40.13% in Q3 2025, suggesting disciplined operations that can support the personalized service required by this segment.

Finance: draft 13-week cash view by Friday.

Five Star Bancorp (FSBC) - Canvas Business Model: Cost Structure

You're looking at the core expenses driving Five Star Bancorp's operations as of late 2025. The cost structure reflects growth in both the balance sheet and the physical footprint, managed through tight operational control.

Interest Expense on Deposits saw an increase, directly tied to the growth in the funding base. For the three months ended September 30, 2025, total deposits increased by $208.8 million, or 5.36%, compared to the linked quarter, which naturally drove up the associated interest expense.

Personnel costs are a key component. Salaries and Employee Benefits increased by $0.9 million sequentially for the three months ended September 30, 2025, compared to the three months ended June 30, 2025. This rise is explicitly attributed to increased headcount supporting the bank's organic growth strategy.

The expansion effort is visible in Occupancy and Equipment Expenses. Five Star Bancorp opened its ninth full-service office in Walnut Creek, California, during the third quarter of 2025, catering to demand in the San Francisco Bay Area. This physical network expansion contributes to these fixed and semi-fixed costs.

Credit quality management is reflected in the Provision for Credit Losses. For the three months ended September 30, 2025, the provision was set at $2.5 million, the same amount recorded for the preceding quarter ended June 30, 2025.

The bank maintains a very lean operational structure. This is clearly demonstrated by the low operating cost base, reflected by an efficiency ratio of 40.13% for the three months ended September 30, 2025. That's a sequential improvement from 41.03% in the second quarter of 2025.

Here are the key cost-related metrics for the third quarter of 2025:

Cost Component/Metric	Amount/Ratio (Q3 2025)	Comparison Point/Context
Provision for Credit Losses	$2.5 million	For the three months ended September 30, 2025
Efficiency Ratio	40.13%	For the three months ended September 30, 2025
Salaries & Benefits Sequential Change	+$0.9 million	Increase vs. Q2 2025, due to headcount
Total Deposit Growth (Sequential)	$208.8 million	Increase during the three months ended September 30, 2025
Branch Network Size	Ninth full-service office	Opened in Walnut Creek, CA, in Q3 2025

The cost management focus is evident in the efficiency ratio, but you have to watch the underlying drivers:

• Deposit growth driving higher Interest Expense.
• Headcount additions increasing Salaries and Employee Benefits by $0.9 million sequentially.
• Expansion costs associated with the ninth branch opening.
• Provision for Credit Losses holding steady at $2.5 million.

The cost of funds rate was 2.51% during the third quarter, a decrease of two basis points from the prior quarter.

Finance: draft 13-week cash view by Friday.

Five Star Bancorp (FSBC) - Canvas Business Model: Revenue Streams

You're looking at the core ways Five Star Bancorp brings in money as of late 2025. It's a classic bank model, but their recent growth story is what stands out.

The biggest piece, by far, is Net Interest Income (NII), which comes from the spread between what they earn on assets like loans and securities and what they pay on liabilities like deposits. For the three months ended September 30, 2025, Five Star Bancorp reported NII of $39.35 million. This was an increase of $2.8 million compared to the three months ended June 30, 2025.

That NII growth is directly tied to the engine of the business: lending. Interest Income saw a boost primarily due to loan growth and an improved average yield on loans. Loans held for investment grew by 12.33% year-over-year as of September 30, 2025, reaching $3,887,259 thousand (or $3.89 billion). To keep things efficient, the net interest margin for Q3 2025 was 3.56%.

Here's a quick look at how the core revenue components stacked up for the third quarter of 2025:

Revenue Component (Three Months Ended Sep 30, 2025)	Amount (in thousands)	Comparison to Prior Quarter
Net Interest Income	$39,350	Up $2,800 thousand
Loans Held for Investment	$3,887,259	Up 12.33% Year-over-Year
Net Interest Margin	3.56%	Up from 3.53% in Q2 2025

Beyond the core lending business, Five Star Bancorp generates Non-interest income. For the three months ended September 30, 2025, this stream increased by $0.2 million compared to the previous quarter. This uptick was mainly driven by an increase in swap referral fees. Service charges are another component of this revenue bucket, though the specific dollar amount for Q3 2025 wasn't explicitly broken out separately from the total non-interest income change.

The revenue streams also include shareholder distributions, which is a direct return of capital to the owners. Five Star Bancorp's Board of Directors declared a cash dividend of $0.20 per share during the three months ended September 30, 2025, which was expected to be paid on November 10, 2025. This $0.20 per share amount appears to be the regular quarterly declaration.

You asked about earnings from investments in venture-backed funds. Honestly, the latest financial reports for Five Star Bancorp through Q3 2025 highlight NII, loan growth, and swap referral fees, but they don't detail specific earnings from venture-backed funds as a distinct line item in the provided summaries.

Here are the key drivers for the non-interest income segment:

• Swap referral fees saw an increase in Q3 2025.
• Service charges contribute to non-interest income.
• Specific earnings from venture-backed funds are not explicitly detailed in the Q3 2025 summary data.

Finance: draft 13-week cash view by Friday.