{"id":1013788,"date":"2026-10-26T18:33:16","date_gmt":"2026-10-26T22:33:16","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-third-quarter-2026-results\/"},"modified":"2026-10-26T18:33:16","modified_gmt":"2026-10-26T22:33:16","slug":"five-star-bancorp-announces-third-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-third-quarter-2026-results\/","title":{"rendered":"Five Star Bancorp Announces Third Quarter 2026 Results"},"content":{"rendered":"
\n

RANCHO CORDOVA, Calif., Oct. 26, 2026 (GLOBE NEWSWIRE) — Five Star Bancorp (Nasdaq: FSBC) (\u201cFive Star\u201d or the \u201cCompany\u201d), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the \u201cBank\u201d), today reported net income of $21.9 million for the three months ended September 30, 2026, as compared to $19.4 million for the three months ended June 30, 2026 and $16.3 million for the three months ended September 30, 2025.<\/p>\n

\n
\n Third Quarter Highlights<\/u>
\n <\/strong>\n <\/p>\n

Performance and operating highlights for the Company for the periods noted below included the following:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
\n (in thousands, except per share and share data)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
Return on average assets (\u201cROAA\u201d)<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.44<\/td>\n%<\/td>\n<\/tr>\n
Return on average equity (\u201cROAE\u201d)<\/td>\n\u00a0<\/td>\n15.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.35<\/td>\n%<\/td>\n<\/tr>\n
Pre-tax income<\/td>\n$<\/td>\n29,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,234<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax, pre-provision income(1)<\/sup><\/td>\n$<\/td>\n32,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n28,339<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,734<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n21,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,344<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average basic common shares outstanding<\/td>\n\u00a0<\/td>\n23,620,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,273,902<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,231,563<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average diluted common shares outstanding<\/td>\n\u00a0<\/td>\n23,697,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,338,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,281,818<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shares outstanding at end of period<\/td>\n\u00a0<\/td>\n24,536,614<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,402,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,367,387<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1)<\/sup> See the section entitled \u201cNon-GAAP Reconciliation (Unaudited)\u201d for a reconciliation of this non-GAAP financial measure.<\/p>\n

James E. Beckwith, President and Chief Executive Officer, commented:<\/p>\n

\n \u201cIn the third quarter of 2026, Five Star raised approximately $130.0 million in net proceeds through an underwritten public offering of 3,133,750 shares of common stock, expanding our capacity for organic growth and strategic investment. We also strengthened our California presence with the opening of a new branch in Lodi, a new Calabasas administrative office, and four key hires in Palo Alto, bringing our high-tech, high-touch relationship-based banking experience to more clients.<\/em>\n <\/p>\n

\n The third quarter of 2026 delivered steadfast results: net income rose to $21.9 million from $19.4 million in the second quarter of 2026, and net interest income increased $4.8 million, or 11%, to $50.9 million compared to the same period. Net interest margin improved six basis points to 3.69%, the efficiency ratio improved to 39.13% from 40.91% in the second quarter of 2026, and basic earnings per share reached $0.92, up $0.01 from the second quarter of 2026 and $0.15 from the third quarter of 2025. <\/em>\n <\/p>\n

\n Total loans held for investment grew $184.5 million, or 4% (approximately 16% annualized), while non-wholesale deposits increased $75.1 million, or 2% (approximately 7% annualized) and wholesale deposits decreased $50.0 million, or 20% (approximately 80% annualized). We also declared a $0.25 per share cash dividend, $0.05 more than those declared in 2025, reinforcing our commitment to shareholder value.<\/em>\n <\/p>\n

\n Five Star Bank\u2019s success reflects the strength of our team and the value of authentic, relationship-based service. Our technology, operating discipline, conservative underwriting, strong credit quality, and prudent portfolio management position us to create lasting value for customers, employees, communities, and shareholders. We thank our employees for keeping Five Star Bank a safe, trusted, and steadfast banking partner as we enter the fourth quarter of 2026.\u201d<\/em>\n <\/p>\n

Financial highlights as of and during the three months ended September\u00a030, 2026 included the following:<\/p>\n

    \n
  • The Company completed an underwritten public offering of 3,133,750 shares of common stock during the three months ended September\u00a030, 2026, with net proceeds of approximately $130.0\u00a0million after deducting underwriting discounts and commissions of approximately $7.3\u00a0million, and offering expenses of approximately $0.6\u00a0million. The transaction strengthened the Company\u2019s capital base and positioned it for continued organic balance sheet growth, with a common equity Tier 1 capital ratio of 12.52% as of September\u00a030, 2026, as compared to 9.97% as of June\u00a030, 2026. The Bank continues to meet all requirements to be considered \u201cwell-capitalized\u201d under applicable regulatory guidelines.<\/li>\n
  • Basic earnings per share reached $0.92 for the three months ended September\u00a030, 2026, an increase of $0.01 from the second quarter of 2026. Weighted average basic common shares outstanding for the three months ended September\u00a030, 2026 increased by 2,346,467, or 11.03%, as compared to the second quarter of 2026 due to the underwritten public offering. As compared to the three months ended September\u00a030, 2025, basic earnings per share increased $0.15, while weighted average basic common shares outstanding increased by 2,388,806, or 11.25%, as compared to the third quarter of 2025 due to the underwritten public offering.<\/li>\n
  • Total deposits increased by $25.1\u00a0million, or 0.52%, during the three months ended September\u00a030, 2026, with growth in non-wholesale deposits exceeding declines in wholesale deposits. The Company defines wholesale deposits as brokered deposits and California Time Deposit Program deposits. During the three months ended September\u00a030, 2026, non-wholesale deposits increased by $75.1 million, or 1.65%, and wholesale deposits decreased by $50.0 million, or 20.00%.<\/li>\n
  • The number of Business Development Officers increased from 45 at June\u00a030, 2026 to 50 at September\u00a030, 2026.<\/li>\n
  • Cash and cash equivalents were $679.5 million, representing 14.08% of total deposits at September\u00a030, 2026, as compared to 14.27% at June\u00a030, 2026.<\/li>\n
  • Consistent, disciplined management of expenses contributed to our efficiency ratio of 39.13% for the three months ended September\u00a030, 2026, as compared to 40.91% for the three months ended June\u00a030, 2026 and 40.13% for the three months ended September\u00a030, 2025.<\/li>\n
  • Net interest margin for the three months ended September\u00a030, 2026 expanded six basis points to 3.69% from 3.63% for the three months ended June\u00a030, 2026, primarily reflecting growth in higher-yielding loans and an increase in the yield on interest-earning assets, partially offset by higher deposit funding costs. On a year-over-year basis, net interest margin expanded 13 basis points from 3.56% for the three months ended September\u00a030, 2025 to 3.69% for the three months ended September\u00a030, 2026, supported by balance sheet growth and lower deposit funding costs following three Federal Reserve rate cuts that began in September 2025, partially offset by lower yields on interest-earning assets. The effective federal funds rate declined 21 basis points, from 4.09% as of September\u00a030, 2025 to 3.88% as of September\u00a030, 2026.<\/li>\n
  • Other comprehensive loss was $3.0 million during the three months ended September\u00a030, 2026, as compared to other comprehensive income of $0.7 million for the three months ended June\u00a030, 2026 and other comprehensive income of $2.1 million for the three months ended September\u00a030, 2025. Unrealized losses, net of tax effect, on available-for-sale securities were $12.4 million as of September\u00a030, 2026, as compared to $9.4 million as of June\u00a030, 2026 and $9.9 million as of September\u00a030, 2025. Total carrying value of held-to-maturity and available-for-sale securities represented 0.04% and 1.52% of total interest-earning assets, respectively, as of September\u00a030, 2026.<\/li>\n
  • Loan and deposit growth as of the dates provided below was as follows:\n<\/li>\n<\/ul>\n\n\n\n\n\n\n\n\n\n\n\n
    \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
    Loans held for investment<\/td>\n$<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n$<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n$<\/td>\n184,534<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.08<\/td>\n%<\/td>\n<\/tr>\n
    Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n1,210,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,174,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,082<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.07<\/td>\n%<\/td>\n<\/tr>\n
    Interest-bearing deposits<\/td>\n\u00a0<\/td>\n3,614,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10,937<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.30 <\/td>\n)%<\/td>\n<\/tr>\n
    \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
    \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
    \n
    \n 2025<\/strong>\n <\/td>\n    		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
    Loans held for investment<\/td>\n$<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n$<\/td>\n3,887,259<\/td>\n\u00a0<\/td>\n$<\/td>\n816,956<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.02<\/td>\n%<\/td>\n<\/tr>\n
    Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n1,210,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,059,082<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n151,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.30<\/td>\n%<\/td>\n<\/tr>\n
    Interest-bearing deposits<\/td>\n\u00a0<\/td>\n3,614,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,044,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n569,684<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18.71<\/td>\n%<\/td>\n<\/tr>\n
    \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n
      \n
    • The ratio of nonperforming loans to loans held for investment at period end decreased from 0.30% at June 30, 2026 to 0.28% at September 30, 2026.<\/li>\n
    • The Company\u2019s Board of Directors declared, and the Company subsequently paid, a cash dividend of $0.25 per share during the three months ended September\u00a030, 2026. The Company\u2019s Board of Directors declared an additional cash dividend of $0.25 per share on October\u00a015, 2026, which the Company expects to pay on November\u00a09, 2026 to shareholders of record as of November\u00a02, 2026.\n<\/li>\n<\/ul>\n

      \n
      \n Summary Results<\/u>
      \n <\/strong>\n <\/p>\n

      \n Three months ended September\u00a030, 2026, as compared to three months ended June\u00a030, 2026<\/em>\n <\/p>\n

      The Company\u2019s net income was $21.9 million for the three months ended September\u00a030, 2026, as compared to $19.4 million for the three months ended June\u00a030, 2026. Net interest income increased by $4.8 million during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026, primarily reflecting growth in higher-yielding loans and an increase in the yield on interest-earning assets, partially offset by higher deposit funding costs. The provision for credit losses increased by $0.3 million during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026, reflecting loan growth and changes resulting from the annual Current Expected Credit Loss (\u201cCECL\u201d) model refresh. Non-interest income decreased by $0.2 million during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026, primarily due to an overall decline in earnings related to investments in venture-backed funds and lower loan referral income, partially offset by a special FHLB stock dividend. Non-interest expense increased by $1.0 million during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026, primarily due to higher salaries and employee benefits from increased headcount and increased recruiter fees, partially offset by decreases in employee-related expenses, advertising and promotional expenses, and operational losses.<\/p>\n

      \n Three months ended September\u00a030, 2026, as compared to three months ended September\u00a030, 2025<\/em>\n <\/p>\n

      The Company\u2019s net income was $21.9 million for the three months ended September\u00a030, 2026, as compared to $16.3 million for the three months ended September\u00a030, 2025. Net interest income increased by $11.6 million during the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025, primarily reflecting balance sheet growth and lower deposit funding costs following three Federal Reserve rate cuts that began in September 2025, partially offset by lower yields on interest-earning assets. The provision for credit losses remained constant, reflecting loan growth and changes resulting from the annual CECL model refresh, offset by a decrease in the provision for unfunded commitments. Non-interest income decreased by $0.3 million during the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025, primarily reflecting lower fees from swap referrals and an overall decline in earnings related to investments in venture-backed funds. Non-interest expense increased by $4.0 million during the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025, driven primarily by higher salaries and employee benefits from increased headcount, along with growth in other operating expenses reflecting continued organizational expansion.<\/p>\n

      The following is a summary of the components of the Company\u2019s operating results and performance ratios for the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
      \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n (in thousands, except per share data)<\/em>\n <\/td>\n\n September 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
      Selected operating data:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Net interest income<\/td>\n$<\/td>\n50,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,843<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.51<\/td>\n%<\/td>\n<\/tr>\n
      Provision for credit losses<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.11<\/td>\n%<\/td>\n<\/tr>\n
      Non-interest income<\/td>\n\u00a0<\/td>\n1,694<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(178<\/td>\n)<\/td>\n\u00a0<\/td>\n(9.51 <\/td>\n)%<\/td>\n<\/tr>\n
      Non-interest expense<\/td>\n\u00a0<\/td>\n20,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.97<\/td>\n%<\/td>\n<\/tr>\n
      Pre-tax income<\/td>\n\u00a0<\/td>\n29,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,440<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.19<\/td>\n%<\/td>\n<\/tr>\n
      Provision for income taxes<\/td>\n\u00a0<\/td>\n7,620<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.90<\/td>\n%<\/td>\n<\/tr>\n
      Net income<\/td>\n$<\/td>\n21,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,510<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.94<\/td>\n%<\/td>\n<\/tr>\n
      Earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Basic<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.10<\/td>\n%<\/td>\n<\/tr>\n
      Diluted<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.10<\/td>\n%<\/td>\n<\/tr>\n
      Performance and other financial ratios:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAA<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAE<\/td>\n\u00a0<\/td>\n15.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Net interest margin<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total cost of funds(1)<\/sup><\/td>\n\u00a0<\/td>\n2.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Efficiency ratio<\/td>\n\u00a0<\/td>\n39.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
      \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n (in thousands, except per share data)<\/em>\n <\/td>\n\n September 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n September 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
      Selected operating data:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Net interest income<\/td>\n$<\/td>\n50,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,578<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.42<\/td>\n%<\/td>\n<\/tr>\n
      Provision for credit losses<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
      Non-interest income<\/td>\n\u00a0<\/td>\n1,694<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,966<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(272<\/td>\n)<\/td>\n\u00a0<\/td>\n(13.84 <\/td>\n)%<\/td>\n<\/tr>\n
      Non-interest expense<\/td>\n\u00a0<\/td>\n20,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,580<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,011<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.19<\/td>\n%<\/td>\n<\/tr>\n
      Pre-tax income<\/td>\n\u00a0<\/td>\n29,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.81<\/td>\n%<\/td>\n<\/tr>\n
      Provision for income taxes<\/td>\n\u00a0<\/td>\n7,620<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,730<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.37<\/td>\n%<\/td>\n<\/tr>\n
      Net income<\/td>\n$<\/td>\n21,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,344<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,565<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.05<\/td>\n%<\/td>\n<\/tr>\n
      Earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Basic<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.48<\/td>\n%<\/td>\n<\/tr>\n
      Diluted<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.48<\/td>\n%<\/td>\n<\/tr>\n
      Performance and other financial ratios:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAA<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAE<\/td>\n\u00a0<\/td>\n15.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Net interest margin<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total cost of funds(1)<\/sup><\/td>\n\u00a0<\/td>\n2.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Efficiency ratio<\/td>\n\u00a0<\/td>\n39.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      \n (1)<\/sup> Total cost of funds reflects the average cost of all funding sources, including both interest-bearing and non-interest-bearing deposits and borrowings.<\/p>\n

      \n
      \n Balance Sheet Summary<\/u>
      \n <\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
      \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
      Selected financial condition data:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total assets<\/td>\n$<\/td>\n5,559,618<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n$<\/td>\n182,556<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.40<\/td>\n%<\/td>\n<\/tr>\n
      Cash and cash equivalents<\/td>\n\u00a0<\/td>\n679,482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n685,074<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,592<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.82 <\/td>\n)%<\/td>\n<\/tr>\n
      Total loans held for investment<\/td>\n\u00a0<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184,534<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.08<\/td>\n%<\/td>\n<\/tr>\n
      Total investments<\/td>\n\u00a0<\/td>\n84,158<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,561<\/td>\n)<\/td>\n\u00a0<\/td>\n(9.23 <\/td>\n)%<\/td>\n<\/tr>\n
      Total liabilities<\/td>\n\u00a0<\/td>\n4,942,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,903,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.80<\/td>\n%<\/td>\n<\/tr>\n
      Total deposits<\/td>\n\u00a0<\/td>\n4,824,528<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,799,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.52<\/td>\n%<\/td>\n<\/tr>\n
      Subordinated notes, net<\/td>\n\u00a0<\/td>\n74,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n%<\/td>\n<\/tr>\n
      Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n617,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n473,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n143,440<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30.28<\/td>\n%<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n
        \n
      • Insured and collateralized deposits were approximately $3.3 billion, representing 68.08% of total deposits as of September\u00a030, 2026, as compared to 65.80% as of June\u00a030, 2026. Net uninsured and uncollateralized deposits were approximately $1.5 billion as of September\u00a030, 2026, decreasing from $1.6 billion at June\u00a030, 2026.<\/li>\n
      • Non-wholesale deposit balances constituted 95.85% of total deposits as of September\u00a030, 2026, as compared to 94.79% as of June\u00a030, 2026. Deposit relationships of greater than $5 million represented 62.44% of total deposits as of September\u00a030, 2026, as compared to 63.88% as of June\u00a030, 2026, and had an average age of approximately 7.45 years as of September\u00a030, 2026, as compared to 7.39 years as of June\u00a030, 2026.<\/li>\n
      • Total deposits as of September\u00a030, 2026 were $4.8 billion, an increase of $25.1 million, or 0.52%, from June\u00a030, 2026, comprised of an increase in non-interest-bearing deposits, partially offset by a decrease in interest-bearing deposits.<\/li>\n
      • Cash and cash equivalents as of September\u00a030, 2026 were $679.5 million, representing 14.08% of total deposits at September\u00a030, 2026, as compared to 14.27% as of June\u00a030, 2026.<\/li>\n
      • Total liquidity (consisting of cash and cash equivalents as well as unused and immediately available borrowing capacity as set forth below) was approximately $2.5 billion as of September\u00a030, 2026, as compared to $2.3 billion at June\u00a030, 2026.\n<\/li>\n<\/ul>\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n Line of Credit<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Letters of
        Credit Issued<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n Borrowings<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Available<\/strong>\n <\/td>\n<\/tr>\n
        Federal Home Loan Bank of San Francisco (\u201cFHLB\u201d) advances<\/td>\n$<\/td>\n1,714,154<\/td>\n\u00a0<\/td>\n$<\/td>\n1,162,000<\/td>\n\u00a0<\/td>\n$<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n$<\/td>\n552,154<\/td>\n<\/tr>\n
        Federal Reserve Discount Window<\/td>\n\u00a0<\/td>\n1,110,142<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,110,142<\/td>\n<\/tr>\n
        Correspondent bank lines of credit<\/td>\n\u00a0<\/td>\n185,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n185,000<\/td>\n<\/tr>\n
        Cash and cash equivalents<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679,482<\/td>\n<\/tr>\n
        Total<\/td>\n$<\/td>\n3,009,296<\/td>\n\u00a0<\/td>\n$<\/td>\n1,162,000<\/td>\n\u00a0<\/td>\n$<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n$<\/td>\n2,526,778<\/td>\n<\/tr>\n<\/table>\n

        \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n December 31,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Selected financial condition data:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total assets<\/td>\n$<\/td>\n5,559,618<\/td>\n\u00a0<\/td>\n$<\/td>\n4,754,861<\/td>\n\u00a0<\/td>\n$<\/td>\n804,757<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.92<\/td>\n%<\/td>\n<\/tr>\n
        Cash and cash equivalents<\/td>\n\u00a0<\/td>\n679,482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n506,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n172,631<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.06<\/td>\n%<\/td>\n<\/tr>\n
        Total loans held for investment<\/td>\n\u00a0<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,074,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n629,286<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.44<\/td>\n%<\/td>\n<\/tr>\n
        Total investments<\/td>\n\u00a0<\/td>\n84,158<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,731<\/td>\n)<\/td>\n\u00a0<\/td>\n(13.14 <\/td>\n)%<\/td>\n<\/tr>\n
        Total liabilities<\/td>\n\u00a0<\/td>\n4,942,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,309,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n633,378<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.70<\/td>\n%<\/td>\n<\/tr>\n
        Total deposits<\/td>\n\u00a0<\/td>\n4,824,528<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,201,084<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n623,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.84<\/td>\n%<\/td>\n<\/tr>\n
        Subordinated notes, net<\/td>\n\u00a0<\/td>\n74,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,041<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n%<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n617,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n445,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.44<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n
        The increase in total assets from December\u00a031, 2025 to September\u00a030, 2026 was primarily comprised of a $629.3 million\u00a0increase in total loans held for investment and a $172.6 million\u00a0increase in cash and cash equivalents. The $629.3 million increase in total loans held for investment between December\u00a031, 2025 and September\u00a030, 2026 was a result of $1.6 billion in loan originations and advances, partially offset by $304.5 million and $633.2 million in loan payoffs and paydowns, respectively. The $629.3 million increase in total loans held for investment included $230.7 million in purchased loans within the consumer section of the loan portfolio. The $172.6 million increase in cash and cash equivalents primarily resulted from $130.0 million in net proceeds from the underwritten public offering (after deducting underwriting discounts and commissions of approximately $7.3 million, and offering expenses of approximately $0.6\u00a0million), $59.9 million in net income, and $623.4 million in deposit growth, partially offset by $629.3 million in cash outflows to fund growth in total loans held for investment.<\/p>\n

        The increase in total liabilities from December\u00a031, 2025 to September\u00a030, 2026 was primarily due to an increase in deposits of $623.4 million. The increase in deposits was largely due to increases in money market, non-interest-bearing, and interest-bearing transaction deposits of $712.6 million, $126.0 million, and $71.5 million, respectively, partially offset by a $296.8 million decrease in time deposits, mainly attributable to a $265.0 million decline in wholesale deposits.<\/p>\n

        The increase in total shareholders\u2019 equity from December 31, 2025 to September 30, 2026 was primarily a result of $130.0 million of additional common stock outstanding and $59.9 million recognized as net income during the period, partially offset by $16.8 million in cash dividends paid during the period and a $3.2 million increase in accumulated other comprehensive loss.<\/p>\n

        \n
        \n Net Interest Income and Net Interest Margin<\/u>
        \n <\/strong>\n <\/p>\n

        The following is a summary of the components of net interest income for the periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n$<\/td>\n79,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n72,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,847<\/td>\n\u00a0<\/td>\n9.47<\/td>\n%<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n28,248<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,004<\/td>\n\u00a0<\/td>\n7.64<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income<\/td>\n$<\/td>\n50,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,843<\/td>\n\u00a0<\/td>\n10.51<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n$<\/td>\n79,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n64,845<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,329<\/td>\n\u00a0<\/td>\n22.10<\/td>\n%<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n28,248<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,497<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,751<\/td>\n\u00a0<\/td>\n10.79<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income<\/td>\n$<\/td>\n50,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,578<\/td>\n\u00a0<\/td>\n29.42<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

        \n \n <\/p>\n

        The following table shows the components of net interest income and net interest margin for the quarterly periods indicated:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
        \u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\nAverage
        Balance<\/td>\n        		\u00a0<\/td>\nInterest
        Income\/
        Expense<\/td>\n        		\u00a0<\/td>\nYield\/ Rate<\/td>\n\u00a0<\/td>\nAverage
        Balance<\/td>\n        		\u00a0<\/td>\nInterest
        Income\/
        Expense<\/td>\n        		\u00a0<\/td>\nYield\/ Rate<\/td>\n\u00a0<\/td>\nAverage
        Balance<\/td>\n        		\u00a0<\/td>\nInterest
        Income\/
        Expense<\/td>\n        		\u00a0<\/td>\nYield\/ Rate<\/td>\n<\/tr>\n
        Assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-earning deposits in banks<\/td>\n$<\/td>\n772,887<\/td>\n\u00a0<\/td>\n$<\/td>\n7,286<\/td>\n\u00a0<\/td>\n3.74<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n677,149<\/td>\n\u00a0<\/td>\n$<\/td>\n6,253<\/td>\n\u00a0<\/td>\n3.70<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n451,534<\/td>\n\u00a0<\/td>\n$<\/td>\n5,009<\/td>\n\u00a0<\/td>\n4.40<\/td>\n%<\/td>\n<\/tr>\n
        Investment securities<\/td>\n\u00a0<\/td>\n90,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n496<\/td>\n\u00a0<\/td>\n2.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93,553<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n509<\/td>\n\u00a0<\/td>\n2.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96,806<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n579<\/td>\n\u00a0<\/td>\n2.38<\/td>\n%<\/td>\n<\/tr>\n
        Loans held for investment and sale<\/td>\n\u00a0<\/td>\n4,612,608<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,392<\/td>\n\u00a0<\/td>\n6.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,328,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,565<\/td>\n\u00a0<\/td>\n6.08<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,831,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,257<\/td>\n\u00a0<\/td>\n6.14<\/td>\n%<\/td>\n<\/tr>\n
        Total interest-earning assets<\/td>\n\u00a0<\/td>\n5,475,669<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n79,174<\/td>\n\u00a0<\/td>\n5.74<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,099,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,327<\/td>\n\u00a0<\/td>\n5.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,380,191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,845<\/td>\n\u00a0<\/td>\n5.87<\/td>\n%<\/td>\n<\/tr>\n
        Interest receivable and other assets, net<\/td>\n\u00a0<\/td>\n120,299<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n123,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n110,118<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total assets<\/td>\n$<\/td>\n5,595,968<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,222,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,490,309<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Liabilities and shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing transaction accounts<\/td>\n$<\/td>\n433,005<\/td>\n\u00a0<\/td>\n$<\/td>\n1,782<\/td>\n\u00a0<\/td>\n1.63<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n389,136<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297<\/td>\n\u00a0<\/td>\n1.34<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n300,642<\/td>\n\u00a0<\/td>\n$<\/td>\n1,194<\/td>\n\u00a0<\/td>\n1.58<\/td>\n%<\/td>\n<\/tr>\n
        Savings accounts<\/td>\n\u00a0<\/td>\n150,815<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n940<\/td>\n\u00a0<\/td>\n2.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n143,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n844<\/td>\n\u00a0<\/td>\n2.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n130,973<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n895<\/td>\n\u00a0<\/td>\n2.71<\/td>\n%<\/td>\n<\/tr>\n
        Money market accounts<\/td>\n\u00a0<\/td>\n2,829,499<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,729<\/td>\n\u00a0<\/td>\n3.05<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,556,482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,318<\/td>\n\u00a0<\/td>\n3.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,874,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,348<\/td>\n\u00a0<\/td>\n3.25<\/td>\n%<\/td>\n<\/tr>\n
        Time accounts<\/td>\n\u00a0<\/td>\n282,857<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,636<\/td>\n\u00a0<\/td>\n3.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n396,923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,623<\/td>\n\u00a0<\/td>\n3.66<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n639,434<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,899<\/td>\n\u00a0<\/td>\n4.28<\/td>\n%<\/td>\n<\/tr>\n
        Subordinated notes and other borrowings<\/td>\n\u00a0<\/td>\n74,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,161<\/td>\n\u00a0<\/td>\n6.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,091<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,162<\/td>\n\u00a0<\/td>\n6.29<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,161<\/td>\n\u00a0<\/td>\n6.23<\/td>\n%<\/td>\n<\/tr>\n
        Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n3,770,303<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,248<\/td>\n\u00a0<\/td>\n2.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,560,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n2.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,019,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,497<\/td>\n\u00a0<\/td>\n3.35<\/td>\n%<\/td>\n<\/tr>\n
        Demand accounts<\/td>\n\u00a0<\/td>\n1,212,088<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,163,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,016,560<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest payable and other liabilities<\/td>\n\u00a0<\/td>\n35,691<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,140<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,210<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n577,886<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n466,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n422,420<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities & shareholders\u2019 equity<\/td>\n$<\/td>\n5,595,968<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,222,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,490,309<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net interest spread<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.52<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income\/margin<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,926<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,348<\/td>\n\u00a0<\/td>\n3.56<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n
        Net interest income during the three months ended September 30, 2026 increased by $4.8 million, or 10.51%, to $50.9 million, as compared to $46.1 million during the three months ended June 30, 2026. Net interest margin totaled 3.69% for the three months ended September 30, 2026, an increase of six basis points compared to the prior quarter, primarily reflecting growth in higher-yielding loans and an increase in the yield on interest-earning assets, partially offset by higher deposit funding costs. The $4.8 million increase in net interest income is primarily attributable to a $376.7 million, or 7.39%, increase in average interest-earning assets. The average balance of loans increased $284.3 million, or 6.57%, and the average balance of interest-earning deposits in banks increased $95.7 million, or 14.14%. The average yield on interest-earning assets increased five basis points to 5.74%, including a six-basis-point increase in the average loan yield to 6.14%. The increase in interest income was partially offset by a $2.0 million increase in interest expense. The average balance of deposits increased $257.9 million, or 5.55%, combined with a three-basis-point increase in the average cost of deposits. The average balance of non-interest bearing deposits increased $48.1 million, or 4.13%, helping to partially offset the rise in deposit funding costs.<\/p>\n

        As compared to the three months ended September 30, 2025, net interest income during the three months ended September 30, 2026 increased by $11.6 million, or 29.42%, to $50.9 million from $39.3 million. Net interest margin totaled 3.69% for the three months ended September 30, 2026, an increase of 13 basis points compared to the same quarter of the prior year. The increase primarily reflected balance sheet growth and lower deposit funding costs following three Federal Reserve rate cuts that began in September 2025, partially offset by lower yields on interest-earning assets. The increase in net interest income is primarily attributable to a $14.3 million increase in interest income, mainly due to a $780.8 million, or 20.38%, increase in the average balance of loans and a $321.4 million, or 71.17%, increase in the average balance of interest-earning deposits in banks. The benefit from higher average earning assets was partially offset by a 13-basis-point decrease in the yield on interest-earning assets to 5.74%. The average loan yield remained stable at 6.14%, as the effect of lower rates on repricing loans was offset by loan growth and changes in portfolio mix. This increase in interest income was partially offset by a $2.8 million increase in interest expense, stemming from a $946.6 million, or 23.89%, increase in the average balance of deposits during the three months ended September 30, 2026, moderated by a 25-basis-point decrease in the average cost of deposits compared to the same quarter of the prior year, reflecting deposit repricing following the three Federal Reserve rate cuts that began in September 2025 and an improved funding mix. Further supporting the decreasing average cost of deposits, the average balance of non-interest-bearing deposits increased by $195.5 million, or 19.23%, and brokered deposits decreased from $216.4 million to zero compared to the same period of the prior year.<\/p>\n

        \n
        \n Loans by Type<\/u>
        \n <\/strong>\n <\/p>\n

        The following table provides loan balances, excluding deferred loan fees, by type as of the dates shown:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n<\/tr>\n
        Real estate:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial<\/td>\n$<\/td>\n3,678,924<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,597,173<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial land and development<\/td>\n\u00a0<\/td>\n2,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,507<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial construction<\/td>\n\u00a0<\/td>\n122,561<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n124,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Residential construction<\/td>\n\u00a0<\/td>\n25,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,809<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Residential<\/td>\n\u00a0<\/td>\n41,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,874<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Farmland<\/td>\n\u00a0<\/td>\n57,027<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,900<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Secured<\/td>\n\u00a0<\/td>\n313,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258,736<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Unsecured<\/td>\n\u00a0<\/td>\n39,164<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,263<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Consumer and other<\/td>\n\u00a0<\/td>\n425,531<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n374,614<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net deferred loan fees<\/td>\n\u00a0<\/td>\n(2,178<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,248<\/td>\n)<\/td>\n<\/tr>\n
        Total loans held for investment<\/td>\n$<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        \n
        Interest-bearing Deposits<\/u>
        \n <\/strong>\n <\/p>\n

        The following table provides interest-bearing deposit balances by type as of the dates shown:<\/p>\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n<\/tr>\n
        Interest-bearing transaction accounts<\/td>\n$<\/td>\n415,688<\/td>\n\u00a0<\/td>\n$<\/td>\n500,256<\/td>\n<\/tr>\n
        Savings accounts<\/td>\n\u00a0<\/td>\n149,296<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147,435<\/td>\n<\/tr>\n
        Money market accounts<\/td>\n\u00a0<\/td>\n2,791,209<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,669,295<\/td>\n<\/tr>\n
        Time accounts<\/td>\n\u00a0<\/td>\n257,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n307,991<\/td>\n<\/tr>\n
        Total interest-bearing deposits<\/td>\n$<\/td>\n3,614,040<\/td>\n\u00a0<\/td>\n$<\/td>\n3,624,977<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        \n
        Asset Quality<\/u>
        \n <\/strong>\n <\/p>\n

        \n Allowance for Credit Losses<\/em>\n <\/p>\n

        At September\u00a030, 2026, the Company\u2019s allowance for credit losses was $49.4 million, as compared to $44.4 million at December\u00a031, 2025. The $5.0 million increase in the allowance is due to a $7.3 million provision for credit losses (excluding a $0.2 million provision for unfunded commitments) recorded during the nine months ended September\u00a030, 2026, partially offset by net charge-offs of $2.3 million, primarily attributable to commercial and industrial loans, during the same period.<\/p>\n

        A summary of the allowance for credit losses by loan class is as follows:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n Amount<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % of Total<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n Amount<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % of Total<\/strong>\n <\/td>\n<\/tr>\n
        Real estate:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial<\/td>\n$<\/td>\n28,540<\/td>\n\u00a0<\/td>\n57.79<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n25,219<\/td>\n\u00a0<\/td>\n56.77<\/td>\n%<\/td>\n<\/tr>\n
        Commercial land and development<\/td>\n\u00a0<\/td>\n92<\/td>\n\u00a0<\/td>\n0.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56<\/td>\n\u00a0<\/td>\n0.13<\/td>\n%<\/td>\n<\/tr>\n
        Commercial construction<\/td>\n\u00a0<\/td>\n4,526<\/td>\n\u00a0<\/td>\n9.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,050<\/td>\n\u00a0<\/td>\n9.12<\/td>\n%<\/td>\n<\/tr>\n
        Residential construction<\/td>\n\u00a0<\/td>\n806<\/td>\n\u00a0<\/td>\n1.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n213<\/td>\n\u00a0<\/td>\n0.48<\/td>\n%<\/td>\n<\/tr>\n
        Residential<\/td>\n\u00a0<\/td>\n461<\/td>\n\u00a0<\/td>\n0.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n362<\/td>\n\u00a0<\/td>\n0.82<\/td>\n%<\/td>\n<\/tr>\n
        Farmland<\/td>\n\u00a0<\/td>\n432<\/td>\n\u00a0<\/td>\n0.87<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n467<\/td>\n\u00a0<\/td>\n1.05<\/td>\n%<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n34,857<\/td>\n\u00a0<\/td>\n70.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,367<\/td>\n\u00a0<\/td>\n68.37<\/td>\n%<\/td>\n<\/tr>\n
        Commercial:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Secured<\/td>\n\u00a0<\/td>\n10,630<\/td>\n\u00a0<\/td>\n21.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,204<\/td>\n\u00a0<\/td>\n25.23<\/td>\n%<\/td>\n<\/tr>\n
        Unsecured<\/td>\n\u00a0<\/td>\n502<\/td>\n\u00a0<\/td>\n1.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n482<\/td>\n\u00a0<\/td>\n1.09<\/td>\n%<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n11,132<\/td>\n\u00a0<\/td>\n22.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,686<\/td>\n\u00a0<\/td>\n26.32<\/td>\n%<\/td>\n<\/tr>\n
        Consumer and other<\/td>\n\u00a0<\/td>\n3,401<\/td>\n\u00a0<\/td>\n6.89<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,356<\/td>\n\u00a0<\/td>\n5.31<\/td>\n%<\/td>\n<\/tr>\n
        Total allowance for credit losses<\/td>\n$<\/td>\n49,390<\/td>\n\u00a0<\/td>\n100.00<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n44,409<\/td>\n\u00a0<\/td>\n100.00<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n
        The ratio of allowance for credit losses to loans held for investment was 1.05% at September\u00a030, 2026, as compared to 1.09% at December\u00a031, 2025.<\/p>\n

        \n Risk Grades<\/em>\n <\/p>\n

        The Company\u2019s nonperforming loans increased from $3.1 million to $13.3 million between December\u00a031, 2025 and September\u00a030, 2026, increasing the ratio of nonperforming loans to loans held for investment from 0.08% at December\u00a031, 2025 to 0.28% at September\u00a030, 2026. This increase was due to one Community Reinvestment Act-related credit that was originally downgraded during 2025 and placed on non-accrual status during the three months ended June 30, 2026. The balance of the loan was $11.4 million as of September\u00a030, 2026, and it remains well secured by collateral with an appraised value that meaningfully exceeds its carrying amount. This was partially offset by improvements across the remainder of the nonperforming loan portfolio.<\/p>\n

        The following table presents the Company\u2019s loan portfolio by risk grade as of the dates shown:<\/p>\n\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\n September
        30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n December
        31,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n % of Loan Portfolio Outstanding as of September\u00a030, 2026(1)<\/sup><\/strong>\n <\/td>\n<\/tr>\n
        Pass<\/td>\n$<\/td>\n4,490,670<\/td>\n\u00a0<\/td>\n$<\/td>\n3,915,263<\/td>\n\u00a0<\/td>\n$<\/td>\n575,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95.41<\/td>\n%<\/td>\n<\/tr>\n
        Watch<\/td>\n\u00a0<\/td>\n147,152<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101,895<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.13<\/td>\n%<\/td>\n<\/tr>\n
        Special Mention<\/td>\n\u00a0<\/td>\n48,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,970<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.03<\/td>\n%<\/td>\n<\/tr>\n
        Substandard<\/td>\n\u00a0<\/td>\n20,071<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,331<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,260<\/td>\n)<\/td>\n\u00a0<\/td>\n0.43<\/td>\n%<\/td>\n<\/tr>\n
        Doubtful<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n<\/tr>\n
        Total loan portfolio outstanding(1)<\/sup><\/td>\n$<\/td>\n4,706,393<\/td>\n\u00a0<\/td>\n$<\/td>\n4,077,019<\/td>\n\u00a0<\/td>\n$<\/td>\n629,374<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.00<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n (1)<\/sup> Loan portfolio outstanding is total balance of loans outstanding at period end, before deferred loan fees and allowance for credit losses.<\/p>\n

        \n
        \n Non-interest Income<\/u>
        \n <\/strong>\n <\/p>\n

        \n The following table presents the key components of non-interest income for the periods indicated:<\/em>\n <\/p>\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Service charges on deposit accounts<\/td>\n$<\/td>\n148<\/td>\n\u00a0<\/td>\n$<\/td>\n122<\/td>\n\u00a0<\/td>\n$<\/td>\n26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.31<\/td>\n%<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n472<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(207<\/td>\n)<\/td>\n\u00a0<\/td>\n(30.49 <\/td>\n)%<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n233<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121.99<\/td>\n%<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n270<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.89<\/td>\n%<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(235<\/td>\n)<\/td>\n\u00a0<\/td>\n(38.21 <\/td>\n)%<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n$<\/td>\n1,694<\/td>\n\u00a0<\/td>\n$<\/td>\n1,872<\/td>\n\u00a0<\/td>\n$<\/td>\n(178<\/td>\n)<\/td>\n\u00a0<\/td>\n(9.51 <\/td>\n)%<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        Loan-related fees. <\/em>The decrease resulted primarily from a decrease of $0.1 million in loan referral income during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026.<\/p>\n

        \n FHLB stock dividends<\/em>. The increase related primarily to a $0.2 million special cash dividend from the FHLB during the three months ended September\u00a030, 2026 that did not occur during the three months ended June\u00a030, 2026.<\/p>\n

        \n Other income.<\/em> The decrease related primarily to an overall decline in earnings related to investments in venture-backed funds during the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026.<\/p>\n

        \n The following table presents the key components of non-interest income for the periods indicated:<\/em>\n <\/p>\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Service charges on deposit accounts<\/td>\n$<\/td>\n148<\/td>\n\u00a0<\/td>\n$<\/td>\n185<\/td>\n\u00a0<\/td>\n$<\/td>\n(37<\/td>\n)<\/td>\n\u00a0<\/td>\n(20.00 <\/td>\n)%<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n472<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n683<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(211<\/td>\n)<\/td>\n\u00a0<\/td>\n(30.89 <\/td>\n)%<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.88<\/td>\n%<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n270<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n209<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.19<\/td>\n%<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n560<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(180<\/td>\n)<\/td>\n\u00a0<\/td>\n(32.14 <\/td>\n)%<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n$<\/td>\n1,694<\/td>\n\u00a0<\/td>\n$<\/td>\n1,966<\/td>\n\u00a0<\/td>\n$<\/td>\n(272<\/td>\n)<\/td>\n\u00a0<\/td>\n(13.84 <\/td>\n)%<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        Loan-related fees. <\/em>The decrease resulted primarily from a decrease of $0.1 million in fees from swap referrals during the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025, combined with $0.1 million in rate lock fees and good faith deposits that were forfeited during the three months ended September\u00a030, 2025 and did not reoccur during the three months ended September\u00a030, 2026.<\/p>\n

        \n Other income. <\/em>The decrease related primarily to an overall decline in earnings related to investments in venture-backed funds during the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025.<\/p>\n

        \n
        \n Non-interest Expense<\/u>
        \n <\/strong>\n <\/p>\n

        \n The following table presents the key components of non-interest expense for the periods indicated:<\/em>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Salaries and employee benefits<\/td>\n$<\/td>\n12,338<\/td>\n\u00a0<\/td>\n$<\/td>\n11,421<\/td>\n\u00a0<\/td>\n$<\/td>\n917<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.03<\/td>\n%<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n935<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.10<\/td>\n%<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n1,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.93<\/td>\n%<\/td>\n<\/tr>\n
        Federal Deposit Insurance Corporation (\u201cFDIC\u201d) insurance<\/td>\n\u00a0<\/td>\n670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n85<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.53<\/td>\n%<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n1,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n378<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.71<\/td>\n%<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n798<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(161<\/td>\n)<\/td>\n\u00a0<\/td>\n(16.79 <\/td>\n)%<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.93<\/td>\n%<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n2,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(354<\/td>\n)<\/td>\n\u00a0<\/td>\n(12.58 <\/td>\n)%<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n$<\/td>\n20,591<\/td>\n\u00a0<\/td>\n$<\/td>\n19,616<\/td>\n\u00a0<\/td>\n$<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.97<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        Salaries and employee benefits.<\/em> The increase related primarily to: (i) a $0.5 million increase in salaries, benefits, and bonus expense, mainly related to a 4.05% increase in headcount between June\u00a030, 2026 and September\u00a030, 2026; and (ii) a $0.5 million decrease in deferred loan origination costs due to lower loan originations period-over period. This increase was partially offset by a $0.1 million decrease in commissions primarily due to lower loan originations period-over-period.<\/p>\n

        \n Professional services.<\/em> The increase related primarily to: (i) a $0.2 million increase in recruiter fees associated with strategic hiring initiatives; and (ii) a $0.1 million increase in legal fees period-over-period related to legal fees incurred in the ordinary course of business.<\/p>\n

        \n Advertising and promotional.<\/em> The decrease related primarily to lower period-over-period expenses in support of the Bank\u2019s business development activities, including a $0.1 million decrease related to donations, sponsorships, and advertising expenses and a $0.1 million decrease related to business development expenses.<\/p>\n

        \n Other operating expenses.<\/em> The decrease related primarily to: (i) a $0.4 million decrease in employee-related expenses such as travel, conferences, and training; and (ii) a $0.1 million decrease in operational losses, partially offset by a $0.1 million increase in reciprocal deposit network fees resulting from an overall increase in balances carried in the network.<\/p>\n

        \n The following table presents the key components of non-interest expense for the periods indicated:<\/em>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Salaries and employee benefits<\/td>\n$<\/td>\n12,338<\/td>\n\u00a0<\/td>\n$<\/td>\n9,716<\/td>\n\u00a0<\/td>\n$<\/td>\n2,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.99<\/td>\n%<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n935<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n235<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.57<\/td>\n%<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n1,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,559<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.74<\/td>\n%<\/td>\n<\/tr>\n
        FDIC insurance<\/td>\n\u00a0<\/td>\n670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.00<\/td>\n%<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n1,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n932<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.70<\/td>\n%<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n798<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.62 <\/td>\n)%<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n317<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.63<\/td>\n%<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n2,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.78<\/td>\n%<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n$<\/td>\n20,591<\/td>\n\u00a0<\/td>\n$<\/td>\n16,580<\/td>\n\u00a0<\/td>\n$<\/td>\n4,011<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.19<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        Salaries and employee benefits.<\/em> The increase related primarily to: (i) a $2.5 million increase in salaries, benefits, and bonus expense, mainly related to a 16.29% increase in headcount between September\u00a030, 2025 and September\u00a030, 2026; and (ii) a $0.5 million increase in commissions primarily due to higher loan originations period-over-period. This increase was partially offset by a $0.4 million increase in deferred loan origination costs due to higher loan originations period-over-period.<\/p>\n

        \n Occupancy and equipment.<\/em> The increase was primarily driven by expenses associated with the Lodi branch office and the Calabasas non-depository office, both opened subsequent to the three months ended September\u00a030, 2025. Additional increases stemmed from the Walnut Creek branch office and the Newport Beach non-depository office, which were only open for a portion of the three months ended September\u00a030, 2025, as compared to the full three months ended September\u00a030, 2026, and the San Francisco branch office, where an expansion project completed in the fourth quarter of 2025 resulted in elevated ongoing expenses.<\/p>\n

        \n Data processing and software.<\/em> The increase was primarily due to: (i) increased usage of our digital banking platform; (ii) higher transaction volumes related to the increased number of loan and deposit accounts; (iii) an increased number of licenses required for new users on our loan origination and documentation system; and (iv) the implementation of enhanced commercial real estate lending analytics and risk assessment software.<\/p>\n

        \n FDIC insurance<\/em>. FDIC insurance expenses is calculated based on the FDIC assessment base, which generally reflects average consolidated total assets less average tangible equity. The increase in FDIC insurance expense was primarily due to a $960.4 million increase in the assessment base period-over-period.<\/p>\n

        \n Professional services.<\/em> The increase related primarily to: (i) a $0.2 million increase in recruiter fees associated with strategic hiring initiatives; and (ii) a $0.1 million increase in legal fees period-over-period related to legal fees incurred in the ordinary course of business.<\/p>\n

        \n Other operating expenses. <\/em>The increase related primarily to: (i) a $0.1 million increase in bank charges; (ii) a $0.1 million increase in reciprocal deposit network fees resulting from an overall increase in balances carried in the network; (iii) a $0.1 million increase in armored car and courier services; and (iv) a $0.1 million increase in employee-related expenses such as travel. This increase was partially offset by a $0.1 million decrease in operational losses.<\/p>\n

        \n
        \n Provision for Income Taxes<\/u>
        \n <\/strong>\n <\/p>\n

        \n Three months ended September\u00a030, 2026, as compared to three months ended June\u00a030, 2026<\/em>\n <\/p>\n

        Provision for income taxes increased by $0.9 million, or 13.90%, for the three months ended September\u00a030, 2026, as compared to the three months ended June\u00a030, 2026, which was primarily due to an increase in taxable income. The effective tax rates were 25.81% and 25.64% for the three months ended September\u00a030, 2026 and June\u00a030, 2026, respectively.<\/p>\n

        \n Three months ended September\u00a030, 2026, as compared to three months ended September\u00a030, 2025<\/em>\n <\/p>\n

        Provision for income taxes increased by $1.7 million, or 29.37%, for the three months ended September\u00a030, 2026, as compared to the three months ended September\u00a030, 2025. This increase was primarily driven by an increase in taxable income, partially offset by a $0.2 million benefit recorded during the three months ended September\u00a030, 2026 related to the purchase of transferable tax credits that did not occur during the three months ended September\u00a030, 2025. The effective tax rates were 25.81% and 26.49% for the three months ended September\u00a030, 2026 and September\u00a030, 2025, respectively.<\/p>\n

        \n
        \n Webcast Details<\/u>
        \n <\/strong>\n <\/p>\n

        Five Star Bancorp will host a live webcast for analysts and investors on Tuesday, October 27, 2026 at 1:00 PM ET (10:00 AM PT) to discuss its third quarter financial results. To view the live webcast, visit the \u201cNews & Events\u201d section of the Company\u2019s website under \u201cEvents\u201d at https:\/\/investors.fivestarbank.com\/news-events\/events. The webcast will be archived on the Company\u2019s website for a period of 90 days.<\/p>\n

        \n
        \n About Five Star Bancorp<\/u>
        \n <\/strong>\n <\/p>\n

        Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has ten branches in California.<\/p>\n

        \n
        \n Forward-Looking Statements<\/u>
        \n <\/strong>\n <\/p>\n

        This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections, and statements of the Company\u2019s beliefs concerning future events, business plans, objectives, expected operating results, and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate, or imply future results, performance, or achievements, and are typically identified with words such as \u201cmay,\u201d \u201ccould,\u201d \u201cshould,\u201d \u201cwill,\u201d \u201cwould,\u201d \u201cbelieve,\u201d \u201canticipate,\u201d \u201cestimate,\u201d \u201cexpect,\u201d \u201caim,\u201d \u201cintend,\u201d \u201cplan,\u201d or words or phrases of similar meaning. The Company cautions that the forward-looking statements are based largely on the Company\u2019s expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company\u2019s control. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company\u2019s control) and are subject to risks and uncertainties, which change over time, and other factors, which could cause actual results to differ materially from those currently anticipated. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. If one or more of the factors affecting the Company\u2019s forward-looking information and statements proves incorrect, then the Company\u2019s actual results, performance, or achievements could differ materially from those expressed in, or implied by, forward-looking information and statements contained in this press release. Therefore, the Company cautions you not to place undue reliance on the Company\u2019s forward-looking information and statements. Important factors that could cause actual results to differ materially from those in the forward-looking statements are set forth in the Company\u2019s Annual Report on Form 10-K for the year ended December\u00a031, 2025 and Quarterly Reports on Form 10-Q for the three months ended March 31, 2026 and June 30, 2026, in each case under the section entitled \u201cRisk Factors,\u201d and other documents filed by the Company with the Securities and Exchange Commission from time to time.<\/p>\n

        The Company disclaims any duty to revise or update the forward-looking statements, whether written or oral, to reflect actual results or changes in the factors affecting the forward-looking statements, except as specifically required by law.<\/p>\n

        \n
        \n Condensed Financial Data (Unaudited)<\/u>
        \n <\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands, except per share and share data)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n Revenue and Expense Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n$<\/td>\n79,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n72,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n64,845<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n28,248<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,497<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net interest income<\/td>\n\u00a0<\/td>\n50,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,348<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Provision for credit losses<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net interest income after provision<\/td>\n\u00a0<\/td>\n48,426<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,848<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Non-interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Service charges on deposit accounts<\/td>\n\u00a0<\/td>\n148<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n185<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n472<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n683<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n329<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n270<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n209<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n560<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n\u00a0<\/td>\n1,694<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,966<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Non-interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Salaries and employee benefits<\/td>\n\u00a0<\/td>\n12,338<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,421<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,716<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n935<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n700<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n1,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,559<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FDIC insurance<\/td>\n\u00a0<\/td>\n670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n500<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n1,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n932<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n798<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n803<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n317<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n2,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n\u00a0<\/td>\n20,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,580<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Income before provision for income taxes<\/td>\n\u00a0<\/td>\n29,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,234<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Provision for income taxes<\/td>\n\u00a0<\/td>\n7,620<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,890<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net income<\/td>\n$<\/td>\n21,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,344<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n Comprehensive Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net income<\/td>\n$<\/td>\n21,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,344<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net unrealized holding (loss) gain on securities available-for-sale during the period<\/td>\n\u00a0<\/td>\n(4,023<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n946<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,843<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Less: Income tax (benefit) expense related to other comprehensive (loss) income<\/td>\n\u00a0<\/td>\n(1,046<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n763<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other comprehensive (loss) income<\/td>\n\u00a0<\/td>\n(2,977<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,080<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total comprehensive income<\/td>\n$<\/td>\n18,932<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,424<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n Share and Per Share Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Earnings per common share:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Basic<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Diluted<\/td>\n$<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.77<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Book value per share<\/td>\n$<\/td>\n25.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.19<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Tangible book value per share(1)<\/sup><\/td>\n$<\/td>\n25.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.19<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Weighted average basic common shares outstanding<\/td>\n\u00a0<\/td>\n23,620,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,273,902<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,231,563<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Weighted average diluted common shares outstanding<\/td>\n\u00a0<\/td>\n23,697,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,338,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,281,818<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Shares outstanding at end of period<\/td>\n\u00a0<\/td>\n24,536,614<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,402,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,367,387<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n Selected Financial Ratios<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        ROAA<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.44<\/td>\n%<\/td>\n<\/tr>\n
        ROAE<\/td>\n\u00a0<\/td>\n15.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.35<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.56<\/td>\n%<\/td>\n<\/tr>\n
        Loan to deposit(2)<\/sup><\/td>\n\u00a0<\/td>\n97.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94.73<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n (1)<\/sup> See the section entitled \u201cNon-GAAP Reconciliation (Unaudited)\u201d for a reconciliation of this non-GAAP financial measure.
        (2)<\/sup> Loan balance in loan to deposit ratio is total loans held for investment at period end. Deposit balance in loan to deposit ratio is total deposits at period end.<\/p>\n

        \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n Balance Sheet Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Cash and due from financial institutions<\/td>\n$<\/td>\n46,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n45,966<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n44,147<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing deposits in banks<\/td>\n\u00a0<\/td>\n633,185<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n639,108<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n536,300<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Time deposits in banks<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Securities – available-for-sale, at fair value<\/td>\n\u00a0<\/td>\n82,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,584<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95,635<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Securities – held-to-maturity, at amortized cost<\/td>\n\u00a0<\/td>\n1,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,190<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loans held for investment<\/td>\n\u00a0<\/td>\n4,704,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,887,259<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Allowance for credit losses<\/td>\n\u00a0<\/td>\n(49,390<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47,335<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(42,061<\/td>\n)<\/td>\n<\/tr>\n
        Loans held for investment, net of allowance for credit losses<\/td>\n\u00a0<\/td>\n4,654,825<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,472,346<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,845,198<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FHLB stock<\/td>\n\u00a0<\/td>\n15,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,000<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Operating leases, right-of-use asset<\/td>\n\u00a0<\/td>\n10,661<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,751<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Premises and equipment, net<\/td>\n\u00a0<\/td>\n2,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,333<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,656<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Bank-owned life insurance<\/td>\n\u00a0<\/td>\n29,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,676<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest receivable and other assets<\/td>\n\u00a0<\/td>\n83,776<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70,693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,117<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total assets<\/td>\n$<\/td>\n5,559,618<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,641,770<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Non-interest-bearing deposits<\/td>\n$<\/td>\n1,210,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,174,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,059,082<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing deposits<\/td>\n\u00a0<\/td>\n3,614,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,044,356<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total deposits<\/td>\n\u00a0<\/td>\n4,824,528<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,799,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,103,438<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Subordinated notes, net<\/td>\n\u00a0<\/td>\n74,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,004<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Operating lease liability<\/td>\n\u00a0<\/td>\n11,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,262<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,431<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest payable and other liabilities<\/td>\n\u00a0<\/td>\n31,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,589<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities<\/td>\n\u00a0<\/td>\n4,942,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,903,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,210,462<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Common stock<\/td>\n\u00a0<\/td>\n435,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n303,571<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Retained earnings<\/td>\n\u00a0<\/td>\n194,092<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n178,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,615<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Accumulated other comprehensive loss, net of taxes<\/td>\n\u00a0<\/td>\n(12,392<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,415<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,878<\/td>\n)<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n617,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n473,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n431,308<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities and shareholders\u2019 equity<\/td>\n$<\/td>\n5,559,618<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,641,770<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n Quarterly Average Balance Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average loans held for investment and sale<\/td>\n$<\/td>\n4,612,608<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,328,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,831,851<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average interest-earning assets<\/td>\n\u00a0<\/td>\n5,475,669<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,099,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,380,191<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average total assets<\/td>\n\u00a0<\/td>\n5,595,968<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,222,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,490,309<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average deposits<\/td>\n\u00a0<\/td>\n4,908,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,961,698<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average total equity<\/td>\n\u00a0<\/td>\n577,886<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n466,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n422,420<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \n Credit Quality<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Allowance for credit losses to nonperforming loans<\/td>\n\u00a0<\/td>\n371.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n354.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,975.62<\/td>\n%<\/td>\n<\/tr>\n
        Nonperforming loans to loans held for investment<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n%<\/td>\n<\/tr>\n
        Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n0.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n%<\/td>\n<\/tr>\n
        Nonperforming loans plus performing loan modifications to loans held for investment<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n%<\/td>\n<\/tr>\n
        \n Capital Ratios<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity to total assets<\/td>\n\u00a0<\/td>\n11.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.29<\/td>\n%<\/td>\n<\/tr>\n
        Tangible shareholders\u2019 equity to tangible assets(1)<\/sup><\/td>\n\u00a0<\/td>\n11.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.29<\/td>\n%<\/td>\n<\/tr>\n
        Total capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n15.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.59<\/td>\n%<\/td>\n<\/tr>\n
        Tier 1 capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n12.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.77<\/td>\n%<\/td>\n<\/tr>\n
        Common equity Tier 1 capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n12.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.77<\/td>\n%<\/td>\n<\/tr>\n
        Tier 1 leverage ratio<\/td>\n\u00a0<\/td>\n11.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.78<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

        \n (1)<\/sup> See the section entitled \u201cNon-GAAP Reconciliation (Unaudited)\u201d for a reconciliation of this non-GAAP financial measure.<\/p>\n

        \n
        \n
        \n
        Non-GAAP Reconciliation (Unaudited)<\/u>
        \n <\/strong>\n <\/p>\n

        The Company uses financial information in its analysis of the Company\u2019s performance that is not in conformity with accounting principles generally accepted in the United States of America (\u201cGAAP\u201d). The Company believes that these non-GAAP financial measures provide useful information to management and investors that is supplementary to the Company\u2019s financial condition, results of operations, and cash flows computed in accordance with GAAP. However, the Company acknowledges that its non-GAAP financial measures have a number of limitations. As such, investors should not view these disclosures as a substitute for results determined in accordance with GAAP. Additionally, these non-GAAP measures are not necessarily comparable to non-GAAP financial measures that other banking companies use. Other banking companies may use names similar to those the Company uses for the non-GAAP financial measures the Company discloses, but may calculate them differently. Investors should understand how the Company and other companies each calculate their non-GAAP financial measures when making comparisons.<\/p>\n

        Tangible shareholders\u2019 equity to tangible assets is defined as total equity less goodwill and other intangible assets, divided by total assets less goodwill and other intangible assets. The most directly comparable GAAP financial measure is total shareholders\u2019 equity to total assets. Management believes that tangible shareholders\u2019 equity to tangible assets is a useful financial measure because it enables management, investors, and others to assess the Company\u2019s financial health based on tangible capital. We had no goodwill or other intangible assets at the end of any period indicated. As a result, tangible shareholders\u2019 equity to tangible assets is the same as total shareholders\u2019 equity to total assets at the end of each of the periods indicated.<\/p>\n

        Tangible book value per share is defined as total shareholders\u2019 equity less goodwill and other intangible assets, divided by the outstanding number of common shares at the end of the period. The most directly comparable GAAP financial measure is book value per share. Management believes that tangible book value per share is a useful financial measure because it enables management, investors, and others to assess the Company\u2019s value and use of equity. We had no goodwill or other intangible assets at the end of any period indicated. As a result, tangible book value per share is the same as book value per share at the end of each of the periods indicated.<\/p>\n

        Pre-tax, pre-provision income is defined as pre-tax income plus provision for credit losses. The most directly comparable GAAP financial measure is pre-tax income. Management believes that pre-tax, pre-provision income is a useful financial measure because it enables management, investors, and others to assess the Company\u2019s ability to generate operating profit and capital.<\/p>\n

        The following reconciliation table provides a more detailed analysis of this non-GAAP financial measure:<\/p>\n\n\n\n\n\n\n\n
        \n \u00a0<\/em>\n <\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n Pre-tax, pre-provision income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Pre-tax income<\/td>\n$<\/td>\n29,529<\/td>\n\u00a0<\/td>\n$<\/td>\n26,089<\/td>\n\u00a0<\/td>\n$<\/td>\n22,234<\/td>\n<\/tr>\n
        Add: provision for credit losses<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,500<\/td>\n<\/tr>\n
        Pre-tax, pre-provision income<\/td>\n$<\/td>\n32,029<\/td>\n\u00a0<\/td>\n$<\/td>\n28,339<\/td>\n\u00a0<\/td>\n$<\/td>\n24,734<\/td>\n<\/tr>\n<\/table>\n

        \n
        \n
        Investor Contact:<\/strong>
        \n
        Heather C. Luck, Chief Financial Officer
        Five Star Bancorp
        (916) 626-5008
        hluck@fivestarbank.com<\/p>\n

        \n Media Contact:<\/strong>
        \n
        Shelley R. Wetton, Chief Marketing Officer
        Five Star Bancorp
        (916) 284-7827
        swetton@fivestarbank.com<\/p>\n

        \"\"
        \n
        \n \"\"\n <\/div>\n

        <\/div>\n","protected":false},"excerpt":{"rendered":"

        RANCHO CORDOVA, Calif., Oct. 26, 2026 (GLOBE NEWSWIRE) — Five Star Bancorp (Nasdaq: FSBC) (\u201cFive Star\u201d or the \u201cCompany\u201d), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the \u201cBank\u201d), today reported net income of $21.9 million for the three months ended September 30, 2026, as compared to $19.4 million for the three months ended June 30, 2026 and $16.3 million for the three months ended September 30, 2025. Third Quarter Highlights Performance and operating highlights for the Company for the periods noted below included the following: \u00a0 Three months ended (in thousands, except per share and share data) September 30, 2026 \u00a0 June 30, 2026 \u00a0 September 30, 2025 Return on average assets (\u201cROAA\u201d) … <\/p>\n

        Continue reading “Five Star Bancorp Announces Third Quarter 2026 Results”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1013788","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nFive Star Bancorp Announces Third Quarter 2026 Results - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-third-quarter-2026-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Five Star Bancorp Announces Third Quarter 2026 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"RANCHO CORDOVA, Calif., Oct. 26, 2026 (GLOBE NEWSWIRE) — Five Star Bancorp (Nasdaq: FSBC) (\u201cFive Star\u201d or the \u201cCompany\u201d), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the \u201cBank\u201d), today reported net income of $21.9 million for the three months ended September 30, 2026, as compared to $19.4 million for the three months ended June 30, 2026 and $16.3 million for the three months ended September 30, 2025. Third Quarter Highlights Performance and operating highlights for the Company for the periods noted below included the following: \u00a0 Three months ended (in thousands, except per share and share data) September 30, 2026 \u00a0 June 30, 2026 \u00a0 September 30, 2025 Return on average assets (\u201cROAA\u201d) … Continue reading "Five Star Bancorp Announces Third Quarter 2026 Results"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-third-quarter-2026-results\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-26T22:33:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg1MzE1NSM3OTE1MDgzIzIyMDY4MDY=\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"28 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Five Star Bancorp Announces Third Quarter 2026 Results\",\"datePublished\":\"2026-10-26T22:33:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/\"},\"wordCount\":5670,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTg1MzE1NSM3OTE1MDgzIzIyMDY4MDY=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-third-quarter-2026-results\\\/\",\"name\":\"Five Star Bancorp Announces Third Quarter 2026 Results - 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