Five Star Bancorp (FSBC) Balance Sheet
FSBC balance sheet, 2025
December 31, 2025 · U.S. dollars$4.75B assets = $4.31B liabilities + $445.8M equity
Both columns are drawn to the same scale: what FSBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FSBC financial health
Descriptive bands, not a rating. Fiscal 2025.
FSBC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $273.7M2016 | $4.75B2025 | +37.3%/yr | |
| Total liabilities | $241.9M2016 | $4.31B2025 | +37.7%/yr | |
| Shareholders’ equity | $31.9M2016 | $445.8M2025 | +34.1%/yr | |
| Cash & short-term investments | $25.2M2016 | $564.9M2025 | +41.3%/yr | |
| Total debt | $56.8M2016 | $85.9M2025 | +4.7%/yr | |
| Net cash (debt) | −$31.7M2016 | $478.9M2025 | +$510.6M | |
| Working capital | $16.5M2017 | −$3.62B2025 | −$3.6B | |
| Book value per share | $8.222020 | $20.962025 | +20.6%/yr | |
| Debt / equity | 1.782016 | 0.192025 | −1.59 | |
| Shares outstanding | 16.3M2020 | 21.3M2025 | +5.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FSBC assets
FSBC liabilities and equity
FSBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FSBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $564.9M | $454.7M | $435.5M | $385.8M | $588.6M | $429.1M | $274.5M | $24.6M | $28.7M | $25.2M |
| Cash & equivalents | $507.0M | $356.5M | $327.4M | $269.8M | $439.8M | $314.2M | $197.3M | $6.3M | $10.4M | $7.4M |
| Short-term investments | $57.9M | $98.2M | $108.1M | $116.0M | $148.8M | $114.9M | $77.2M | $18.3M | $18.3M | $17.7M |
| Receivables | $11.9M | $24.4M | $22.6M | $7.5M | $5.3M | $5.4M | $3.5M | $876,000 | $824,000 | $652,000 |
| Inventory | $0 | $0 | −$189.3M | −$303.9M | −$445.1M | −$319.6M | −$200.8M | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $189.3M | $303.9M | $445.1M | $319.6M | $200.8M | $0 | $0 | $0 |
| Total current assets | $576.8M | $479.0M | $458.1M | $393.3M | $593.9M | $434.6M | $278.0M | $25.5M | $29.5M | $25.8M |
| Property, plant & equipment (net) | $12.9M | $7.8M | $6.9M | $5.6M | $1.8M | $1.7M | $1.3M | $2.7M | $3.1M | $3.2M |
| Goodwill & intangible assets | $0 | $1.7M | $2.2M | $2.3M | $2.2M | $2.1M | $1.5M | $0 | $0 | $0 |
| Long-term investments | $109.0M | $109.8M | $118.0M | $119.7M | $153.8M | $126.7M | $89.1M | $0 | $0 | $0 |
| Other non-current assets | $4.06B | $3.45B | $3.01B | $2.71B | $1.81B | $1.39B | $1.11B | $300.0M | $281.8M | $244.7M |
| Total assets | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B | $1.48B | $328.3M | $314.4M | $273.7M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $14.5M | $7.4M | $7.7M | $6.0M | — | — | — |
| Short-term debt | — | $1.6M | $171.3M | $101.0M | $28.4M | — | $1.0M | $13.8M | $13.0M | — |
| Deferred revenue | — | — | — | −$86.5M | — | — | — | — | — | — |
| Total current liabilities | $4.20B | $3.56B | $3.03B | $2.80B | $2.29B | $1.79B | $1.32B | $13.8M | $13.0M | — |
| Long-term debt | $74.0M | $73.9M | $243.7M | $173.6M | $28.4M | $28.3M | $53.3M | $0 | $0 | $0 |
| Lease obligations | $11.9M | $6.9M | $5.6M | $4.2M | — | — | — | — | — | — |
| Other long-term liabilities | $33.9M | $24.8M | $36.7M | $4.2M | $0 | $0 | $0 | $58.3M | $51.7M | $57.1M |
| Total liabilities | $4.31B | $3.66B | $3.31B | $2.97B | $2.32B | $1.82B | $1.37B | $296.8M | $283.3M | $241.9M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $304.0M | $302.5M | $220.5M | $219.5M | $218.4M | $110.1M | $96.1M | $19,000 | $19,000 | $19,000 |
| Retained earnings (deficit) | $151.0M | $106.5M | $77.0M | $46.7M | $17.2M | $22.3M | $12.8M | $16.2M | $16.1M | $15.9M |
| Accumulated other comprehensive income | −$9.1M | −$12.4M | −$11.8M | −$13.5M | −$566,000 | $1.3M | −$26,000 | −$183,000 | −$165,000 | −$85,000 |
| Total shareholders' equity | $445.8M | $396.6M | $285.8M | $252.8M | $235.0M | $133.8M | $108.9M | $31.5M | $31.1M | $31.9M |
| Key figures | ||||||||||
| Total debt | $85.9M | $80.8M | $249.4M | $177.8M | $28.4M | $28.3M | $53.3M | $71.8M | $64.4M | $56.8M |
| Net cash (debt) | $478.9M | $373.9M | $186.2M | $208.0M | $560.2M | $400.8M | $221.3M | −$47.2M | −$35.7M | −$31.7M |
| Working capital | −$3.62B | −$3.08B | −$2.57B | −$2.40B | −$1.70B | −$1.36B | −$1.04B | $11.7M | $16.5M | — |
| Tangible book value | $445.8M | $394.9M | $283.6M | $250.5M | $232.8M | $131.7M | $107.4M | $31.5M | $31.1M | $31.9M |
| Book value per share | $20.96 | $19.63 | $16.63 | $14.73 | $15.67 | $8.22 | — | — | — | — |
| Shares outstanding | 21.3M | 20.2M | 17.2M | 17.2M | 15.0M | 16.3M | — | — | — | — |
| Current ratio | 0.14 | 0.13 | 0.15 | 0.14 | 0.26 | 0.24 | 0.21 | 1.85 | 2.27 | — |
| Quick ratio | 0.14 | 0.13 | 0.15 | 0.14 | 0.26 | 0.24 | 0.21 | 1.85 | 2.27 | — |
| Debt / equity | 0.19 | 0.20 | 0.87 | 0.70 | 0.12 | 0.21 | 0.49 | 2.28 | 2.08 | 1.78 |
| Equity / assets | 9.4% | 9.8% | 8.0% | 7.8% | 9.2% | 6.8% | 7.4% | 9.6% | 9.9% | 11.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $136.6M | $646.7M | $564.9M | $639.9M | $543.3M | $553.7M | $454.7M | $359.2M | $297.7M | $296.2M | $435.5M | $434.6M |
| Cash & equivalents | $46.0M | $644.5M | $507.0M | $580.5M | $484.7M | $456.6M | $356.5M | $255.0M | $194.5M | $191.2M | $327.4M | $330.5M |
| Short-term investments | $90.6M | $2.2M | $57.9M | $59.4M | $58.6M | $97.1M | $98.2M | $104.2M | $103.2M | $105.0M | $108.1M | $104.1M |
| Receivables | $0 | $0 | $11.9M | $0 | $0 | $0 | $24.4M | $0 | $0 | $0 | $22.6M | $43.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$157.7M | −$374.2M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $157.7M | $374.2M |
| Total current assets | $136.6M | $646.7M | $576.8M | $639.9M | $543.3M | $553.7M | $479.0M | $359.2M | $297.7M | $296.2M | $458.1M | $478.3M |
| Property, plant & equipment (net) | $12.5M | $12.5M | $12.9M | $11.4M | $8.7M | $7.5M | $7.8M | $8.2M | $8.2M | $8.5M | $6.9M | $6.4M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $1.7M | $0 | $0 | $0 | $2.2M | $0 |
| Long-term investments | $92.7M | $93.8M | $109.0M | $97.8M | $97.6M | $99.7M | $109.8M | $107.0M | $106.2M | $108.0M | $118.0M | $107.2M |
| Other non-current assets | $5.14B | $4.28B | $4.06B | $3.89B | $3.76B | $3.58B | $3.45B | $3.41B | $3.22B | $3.06B | $3.01B | $2.91B |
| Total assets | $5.38B | $5.03B | $4.75B | $4.64B | $4.41B | $4.25B | $4.05B | $3.89B | $3.63B | $3.48B | $3.59B | $3.51B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $30.1M |
| Short-term debt | — | — | — | — | — | — | $1.6M | — | — | $120.0M | $171.3M | $90.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | −$60.0M |
| Total current liabilities | $4.80B | $4.47B | $4.20B | $4.10B | $3.89B | $3.74B | $3.56B | $3.40B | $3.15B | $2.96B | $3.03B | $3.06B |
| Long-term debt | $74.1M | $74.1M | $74.0M | $74.0M | $74.0M | $73.9M | $73.9M | $73.9M | $73.8M | $193.8M | $243.7M | $163.7M |
| Lease obligations | $11.3M | $11.5M | $11.9M | $10.4M | $7.7M | $6.6M | $6.9M | $7.1M | $7.1M | $7.3M | $5.6M | $5.0M |
| Other long-term liabilities | $18.5M | $29.8M | $33.9M | $33.0M | $28.1M | $28.3M | $24.8M | $23.2M | $30.3M | $34.2M | $36.7M | $5.0M |
| Total liabilities | $4.90B | $4.57B | $4.31B | $4.21B | $4.00B | $3.84B | $3.66B | $3.50B | $3.25B | $3.18B | $3.31B | $3.23B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $304.9M | $304.4M | $304.0M | $303.6M | $303.2M | $302.8M | $302.5M | $302.3M | $302.0M | $220.8M | $220.5M | $220.3M |
| Retained earnings (deficit) | $178.3M | $164.3M | $151.0M | $137.6M | $125.5M | $115.3M | $106.5M | $97.4M | $90.7M | $84.2M | $77.0M | $69.7M |
| Accumulated other comprehensive income | −$9.4M | −$10.1M | −$9.1M | −$9.9M | −$12.0M | −$11.6M | −$12.4M | −$9.7M | −$12.2M | −$12.4M | −$11.8M | −$15.9M |
| Total shareholders' equity | $473.8M | $458.5M | $445.8M | $431.3M | $416.7M | $406.5M | $396.6M | $389.9M | $380.5M | $292.6M | $285.8M | $274.0M |
| Key figures | ||||||||||||
| Total debt | $74.1M | $85.6M | $85.9M | $84.4M | $81.7M | $80.5M | $80.8M | $81.0M | $80.9M | $201.1M | $249.4M | $168.8M |
| Net cash (debt) | $62.4M | $561.1M | $478.9M | $555.5M | $461.5M | $473.2M | $373.9M | $278.2M | $216.8M | $95.1M | $186.2M | $265.8M |
| Working capital | −$4.66B | −$3.82B | −$3.62B | −$3.46B | −$3.35B | −$3.18B | −$3.08B | −$3.04B | −$2.85B | −$2.66B | −$2.57B | −$2.58B |
| Tangible book value | $473.8M | $458.5M | $445.8M | $431.3M | $416.7M | $406.5M | $394.9M | $389.9M | $380.5M | $292.6M | $283.6M | $274.0M |
| Book value per share | $22.25 | $21.54 | $20.94 | $20.27 | $19.59 | $19.12 | $18.68 | $18.36 | $18.07 | $16.94 | $16.62 | $15.94 |
| Shares outstanding | 21.3M | 21.3M | 21.3M | 21.3M | 21.3M | 21.3M | 21.2M | 21.2M | 21.1M | 17.3M | 17.2M | 17.2M |
| Current ratio | 0.03 | 0.14 | 0.14 | 0.16 | 0.14 | 0.15 | 0.13 | 0.11 | 0.09 | 0.10 | 0.15 | 0.16 |
| Quick ratio | 0.03 | 0.14 | 0.14 | 0.16 | 0.14 | 0.15 | 0.13 | 0.11 | 0.09 | 0.10 | 0.15 | 0.16 |
| Debt / equity | 0.16 | 0.19 | 0.19 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.21 | 0.69 | 0.87 | 0.62 |
| Equity / assets | 8.8% | 9.1% | 9.4% | 9.3% | 9.4% | 9.6% | 9.8% | 10.0% | 10.5% | 8.4% | 8.0% | 7.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
FSBC financial position
At the end of fiscal 2025 (December 31, 2025), Five Star Bancorp had total assets of $4.8 billion (up 17.3% from a year earlier), total liabilities of $4.3 billion and shareholders' equity of $445.8 million. It held $564.9 million in cash and short-term investments against $85.9 million of debt, a net cash position of $478.9 million. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were $5.4 billion and equity $473.8 million.
Related: FSBC income statement, FSBC cash flow statement, FSBC key metrics. See the FSBC stock overview for the latest quote and news.
FSBC balance sheet FAQ
What are Five Star Bancorp's total assets?
Five Star Bancorp reported total assets of $4.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $4.1 billion a year earlier.
How much debt does Five Star Bancorp have?
Five Star Bancorp had $85.9 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.19.
How much cash does Five Star Bancorp have?
Five Star Bancorp held $564.9 million in cash and short-term investments at the end of fiscal 2025; with $85.9 million of debt that is net cash of $478.9 million.
What is Five Star Bancorp's book value?
Five Star Bancorp's shareholders' equity (book value) was $445.8 million at the end of fiscal 2025, or $20.96 per share.
What is Five Star Bancorp's current ratio?
Five Star Bancorp had current assets of $576.8 million and current liabilities of $4.2 billion, a current ratio of 0.14 (current liabilities exceed current assets).