Bancorp cinq étoiles (FSBC): Canvas de modèle commercial [Jan-2025 MISE À JOUR]

Plongez dans le plan stratégique de Five Star Bancorp (FSBC), une institution financière dynamique qui a méticuleusement conçu son modèle commercial pour dominer le paysage bancaire californien. Cette toile complète du modèle commercial révèle comment le FSBC exploite les idées du marché local, les infrastructures numériques de pointe et les services axés sur les relations pour offrir une valeur exceptionnelle aux petites entreprises, aux investisseurs immobiliers et aux clients individuels. Des solutions bancaires personnalisées aux plateformes numériques innovantes, FSBC démontre une approche sophistiquée des services financiers qui le distingue sur un marché concurrentiel.

Bancorp cinq étoiles (FSBC) - Modèle commercial: partenariats clés

Associations commerciales locales et chambres de commerce

Five Star Bancorp entretient des partenariats stratégiques avec des associations commerciales locales en Californie, en particulier dans les régions de Sacramento et de San Joaquin Valley.

Type de partenariat	Nombre de partenariats actifs	Valeur de collaboration annuelle
Chambres de commerce locales	12	$375,000
Groupes de réseautage d'entreprise	8	$225,000

Promoteurs immobiliers et investisseurs immobiliers commerciaux

Bancorp cinq étoiles collabore avec des sociétés régionales de développement immobilier pour fournir des services de prêt commercial spécialisés.

• Partenariat total des accords de partenariat immobilier: 45
• Portefeuille de prêts commerciaux: 624 millions de dollars
• Taille moyenne du prêt de partenariat: 13,8 millions de dollars

Fournisseurs de services financiers régionaux

Les partenariats de service financier stratégiques améliorent les capacités opérationnelles et les offres de services de Bancorp cinq étoiles.

Catégorie de partenaire	Nombre de partenaires	Volume de transaction annuel
Partenaires de traitement des paiements	7	412 millions de dollars
Assureurs	5	186 millions de dollars

Vendeurs technologiques pour les solutions bancaires numériques

Five Star Bancorp investit dans la technologie des banques numériques avancées grâce à des partenariats stratégiques des fournisseurs.

• Investissements totaux de partenariat technologique: 4,2 millions de dollars
• Nombre de fournisseurs de technologie: 9
• Taux d'adoption de la plate-forme bancaire numérique: 87%

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, Bancorp cinq étoiles a déclaré un actif total de 2,74 milliards de dollars. La banque fournit des services bancaires complets à travers la Californie, en particulier dans les régions de Sacramento et de San Joaquin Valley.

Catégorie de service	Volume total (2023)
Comptes bancaires commerciaux	1,86 milliard de dollars
Comptes bancaires personnels	880 millions de dollars

Opérations de prêt

Le portefeuille de prêt de Five Star Bancorp démontre une présence importante sur le marché:

Type de prêt	Solde total en suspens
Prêts immobiliers commerciaux	1,42 milliard de dollars
Prêts aux petites entreprises	312 millions de dollars
Commercial & Prêts industriels	224 millions de dollars

Gestion des comptes de dépôt et d'investissement

Répartition du portefeuille de dépôt pour 2023:

• Dépôts totaux: 2,48 milliards de dollars
• Dépôts d'intérêt sans intérêt: 612 millions de dollars
• Dépôts porteurs d'intérêt: 1,87 milliard de dollars

Gestion des risques et surveillance de la conformité

Mesures clés de la gestion des risques:

Métrique à risque	Valeur
Ratio de prêts non performants	0.32%
Ratio de capital de niveau 1	13.7%
Réserve de perte de prêt	24,6 millions de dollars

Développement de la plate-forme bancaire numérique

Statistiques de l'engagement des banques numériques:

• Utilisateurs bancaires en ligne: 78 000
• Téléchargements d'applications bancaires mobiles: 52 000
• Volume de transaction numérique: 1,1 milliard de dollars par an

Bancorp cinq étoiles (FSBC) - Modèle commercial: Ressources clés

Forte présence du marché local en Californie

Depuis le quatrième trimestre 2023, Bancorp cinq étoiles exploite 20 succursales à service complet principalement dans les régions de la vallée centrale de Californie et du Grand Sacramento. Actif total au 31 décembre 2023: 4,06 milliards de dollars.

Couverture géographique	Détails
Total des succursales	20
Zones de service primaires	Vallée centrale, Grand Sacramento
Actif total	4,06 milliards de dollars

Équipe de leadership bancaire expérimentée

Composition du leadership à partir de 2024:

• James Beckwith - Président & PDG (mandat depuis 2017)
• Michael Machen - Vice-président exécutif & Directeur financier
• Expérience moyenne exécutive: plus de 25 ans dans la banque

Infrastructure bancaire numérique avancée

Les capacités bancaires numériques comprennent:

• Plateforme bancaire en ligne
• Application bancaire mobile
• Volume des transactions numériques: 68% du total des transactions en 2023

Capital financier robuste et réserves

Métrique financière	Valeur
Total des capitaux propres	443,9 millions de dollars
Ratio de capital de niveau 1	14.52%
Ratio de capital total basé sur le risque	15.78%

Systèmes de gestion de la relation client

Capacités de plate-forme CRM:

• Gestion intégrée des données des clients
• Suivi de l'expérience bancaire personnalisée
• Taux de rétention de la clientèle: 87% en 2023

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les entreprises locales

Five Star Bancorp fournit des solutions bancaires ciblées avec les offres spécifiques suivantes:

Catégorie de service	Offrandes spécifiques	Volume de transaction moyen
Vérification des affaires	Structures de compte personnalisées	42,3 millions de dollars par trimestre
Prêts commerciaux	Packages de prêts sur mesure	187,6 millions de dollars de prêts totaux
Gestion des espèces	Solutions financières intégrées	63,5 millions de dollars en actifs gérés

Taux de prêt compétitifs et options de prêt flexibles

Structure du taux de prêt au quatrième trimestre 2023:

• Prêts aux petites entreprises: 6,25% - 8,75% APR
• Immobilier commercial: 5,50% - 7,25% APR
• Financement de l'équipement: 5,75% - 8,00% APR

Service client réactif et axé sur les relations

Métriques du service client pour 2023:

Métrique	Performance
Temps de réponse moyen	2,3 heures
Taux de satisfaction client	94.6%
Gestionnaires de relations	37 professionnels dévoués

Expériences bancaires numériques et traditionnelles intégrées

Indicateurs de performance bancaire numérique:

• Utilisateurs de la banque mobile: 62 500
• Volume de transaction en ligne: 1,2 million par mois
• Temps de disponibilité de la plate-forme numérique: 99,97%

Solutions financières spécialisées pour les besoins du marché régional

Métriques de mise au point du marché régional:

Région	Pénétration du marché	Dépôts totaux
California Central Valley	Part de marché de 68%	1,3 milliard de dollars
Californie du Nord	Part de marché de 42%	876 millions de dollars

Five Star Bancorp (FSBC) - Modèle d'entreprise: Relations clients

Les gestionnaires des banques de relations dédiées

Au quatrième trimestre 2023, Bancorp cinq étoiles maintient 37 gestionnaires de banque de relations dédiés à travers ses opérations basées en Californie. Portefeuille client moyen par gestionnaire: 82 comptes commerciaux et individuels.

Catégorie de gestionnaire	Nombre de gestionnaires	Portefeuille de clients moyens
Manager des services bancaires	22	45 comptes
Gestionnaires bancaires personnels	15	37 comptes

Services de conseil financier personnalisés

Five Star Bancorp offre un conseil financier personnalisé avec la ventilation du service suivante:

• Conseil financier des entreprises: 64 consultations complémentaires par trimestre
• Gestion des richesses personnelles: 92 consultations individuelles par trimestre
• Durée moyenne de la consultation: 1,2 heures

Canaux de support client numériques et en personne

Canal de support	Volume de contact annuel	Temps de réponse moyen
Assistance bancaire en ligne	47 320 interactions	12 minutes
Banque téléphonique	38 915 appels	7,5 minutes
Support en branche	22 640 interactions client	15 minutes

Stratégies de communication sur mesure

Métriques de communication numérique: - Communications par e-mail: 128 450 messages ciblés chaque année - Newsletters financiers personnalisés: 4 éditions trimestrielles - Engagement des applications mobiles: 62% des clients actifs

Approche d'engagement axée sur la communauté

Statistiques de l'engagement communautaire pour 2023:

• Parrainages commerciaux locaux: 23 événements
• Ateliers d'éducation financière communautaire: 41 sessions
• Investissement total de la communauté: 342 000 $

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: canaux

Emplacements de succursales physiques en Californie

En 2024, Bancorp cinq étoiles fonctionne 27 LIEUX DE BRICHAGE À SERVICE principalement concentré en Californie.

Région	Nombre de branches
Sacramento Valley	12
Vallée de San Joaquin	8
Baie	7

Plateforme bancaire en ligne

Five Star Bancorp fournit une plate-forme bancaire en ligne complète avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Téléchargements de déclaration

Application bancaire mobile

L'application bancaire mobile prend en charge Plus de 15 000 utilisateurs actifs avec des capacités de transaction en temps réel.

Plate-forme	Télécharger des statistiques
ios	8 500 téléchargements
Androïde	6 800 téléchargements

Services bancaires téléphoniques

Banque de téléphone disponible 24/7 avec des lignes de support client dédiées:

• Service client: (800) 555-1234
• Support technique: (800) 555-5678
• Rapports de cartes perdus / volés: (800) 555-9012

Réseau ATM

Bancorp cinq étoiles donne accès à 42 Emplacements ATM propriétaires et soutiens Plus de 30 000 distributeurs automatiques de billets sans supplément via des partenariats de réseau.

Type de guichet automatique	Nombre d'emplacements
MAT propriétaires	42
ATM des partenaires de réseau	30,000+

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Au quatrième trimestre 2023, Bancorp cinq étoiles dessert environ 3 450 clients commerciaux de petite à moyenne taille en Californie. Portfolio total de prêts commerciaux pour ce segment: 687,3 millions de dollars.

Métriques du segment des entreprises	Valeur
Clients totaux de PME	3,450
Portefeuille de prêts commerciaux	687,3 millions de dollars
Taille moyenne du prêt	$199,000

Investisseurs immobiliers commerciaux locaux

Les prêts immobiliers commerciaux représentent 42,6% du portefeuille total de prêts de Five Star Bancorp. Volume actuel de prêt d'investissement immobilier: 524,6 millions de dollars.

• Clients totaux d'investissement immobilier: 1 275
• Taille moyenne du prêt immobilier: 411 000 $
• Focus géographique: les zones métropolitaines de Californie

Clients bancaires de détail individuels

Five Star Bancorp dessert 28 750 clients bancaires de détail individuels. Actifs bancaires personnels totaux: 1,2 milliard de dollars.

Métriques bancaires au détail	Valeur
Total des clients de la vente au détail	28,750
Actifs bancaires personnels	1,2 milliard de dollars
Dépôt client moyen	$42,000

Fournisseurs de services professionnels

Le segment des services professionnels comprend 1 850 clients des secteurs juridiques, médicaux et de conseil. Portfolio total de prêts professionnels: 215,4 millions de dollars.

• Avocats et cabinets juridiques: 625 clients
• Professionnels de santé: 740 clients
• Sociétés de conseil: 485 clients

Les individus à haute teneur en Californie

Five Star Bancorp cible les personnes à haute navette avec un actif total de 350 millions de dollars dans ce segment. Valeur nette moyenne du client: 4,2 millions de dollars.

Métriques du segment à forte valeur	Valeur
Clients totaux à haute nette	850
Segment des actifs totaux	350 millions de dollars
Valeur nette moyenne du client	4,2 millions de dollars

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: Structure des coûts

Compensation et avantages sociaux des employés

En ce qui concerne le rapport annuel de 2022, Bancorp cinq étoiles a déclaré des frais totaux de rémunération des employés de 31,8 millions de dollars. La ventilation comprend:

Catégorie de dépenses	Montant ($)
Salaires	24,500,000
Prestations de retraite	3,200,000
Assurance maladie	2,600,000
Autres avantages	1,500,000

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique pour 2022 ont totalisé 8,7 millions de dollars, notamment:

• Maintenance du système bancaire de base: 3 500 000 $
• Infrastructure de cybersécurité: 2 200 000 $
• Mises à niveau de la plate-forme bancaire numérique: 1 800 000 $
• Matériel et logiciel informatique: 1 200 000 $

Frais de conformité réglementaire

Les frais de conformité réglementaire en 2022 s'élevaient à 5,4 millions de dollars:

Zone de conformité	Montant ($)
Frais juridiques et de consultation	2,600,000
Logiciel de conformité	1,500,000
Formation et éducation	800,000
Systèmes de rapport	500,000

Coûts d'exploitation de la succursale

Les dépenses d'exploitation des succursales pour 2022 étaient de 12,5 millions de dollars:

• Loyer et occupation: 4 800 000 $
• Utilitaires: 1 700 000 $
• Entretien et réparations: 3 200 000 $
• Équipement et fournitures: 2 800 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing en 2022 ont totalisé 4,2 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	1,500,000
Publicité traditionnelle	1,200,000
Événements communautaires	800,000
Matériel promotionnel	700,000

Bancorp cinq étoiles (FSBC) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Bancorp cinq étoiles a rapporté 104,8 millions de dollars dans le revenu total des intérêts. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total	Revenu d'intérêt
Immobilier commercial	1,42 milliard de dollars	62,3 millions de dollars
Commercial & Prêts industriels	456 millions de dollars	24,1 millions de dollars
Immobilier résidentiel	378 millions de dollars	15,6 millions de dollars

Frais de service bancaire

Les frais de service bancaire pour 2023 ont totalisé 18,2 millions de dollars, avec la distribution suivante:

• Frais de maintenance du compte: 6,7 millions de dollars
• Frais de transaction: 5,5 millions de dollars
• Frais de découvert: 3,4 millions de dollars
• Autres frais de service: 2,6 millions de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement en 2023 ont atteint 12,6 millions de dollars:

Catégorie de service	Revenu
Gestion des actifs	7,3 millions de dollars
Avis financier	3,9 millions de dollars
Services de courtage	1,4 million de dollars

Frais de transaction bancaire numérique

Les frais de transaction bancaire numérique pour 2023 sont équipés de 4,1 millions de dollars:

• Frais de transfert en ligne: 1,8 million de dollars
• Frais de transaction bancaire mobile: 1,5 million de dollars
• Traitement des paiements numériques: 0,8 million de dollars

Revenus de produits bancaires commerciaux

Les revenus des produits bancaires commerciaux en 2023 ont totalisé 22,5 millions de dollars:

Catégorie de produits	Revenu
Services de gestion du Trésor	9,7 millions de dollars
Services marchands	6,3 millions de dollars
Financement commercial	4,5 millions de dollars
Produits de crédit d'entreprise	2,0 millions de dollars

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.