Five Star Bancorp (FSBC) risk factors

Item 1A of every Five Star Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

Open FSBC in Gloom →

Five Star Bancorp's chart, financials and news, free in your browser.Open FSBC in Gloom →

FY2025 10-K risk factors
49 risks5 new6 dropped12 reworded
Added risks cover inflation, California corporate takeover defenses, consumer privacy, artificial intelligence adoption, and tax law changes. Deposit concentration metrics shifted with 53 depositors holding $2.0 billion.
Filed Feb 27, 2026
FY2024 10-K risk factors
50 risks
Five Star Bancorp's risks are dominated by geographic and economic concentration in Northern California real estate and small-to-medium-sized business lending. The bank faces acute exposure to interest rate fluctuations, deposit concentration among a handful of large customers, and stringent banking regulations.
Filed Feb 28, 2025