{"id":983761,"date":"2026-07-22T18:17:54","date_gmt":"2026-07-22T22:17:54","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-second-quarter-2026-results\/"},"modified":"2026-07-22T18:17:54","modified_gmt":"2026-07-22T22:17:54","slug":"five-star-bancorp-announces-second-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-second-quarter-2026-results\/","title":{"rendered":"Five Star Bancorp Announces Second Quarter 2026 Results"},"content":{"rendered":"
\n

RANCHO CORDOVA, Calif., July 22, 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 $19.4 million for the three months ended June 30, 2026, as compared to $18.6 million for the three months ended March 31, 2026 and $14.5 million for the three months ended June 30, 2025.<\/p>\n

\n
\n Second 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\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 June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
Return on average assets (\u201cROAA\u201d)<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.37<\/td>\n%<\/td>\n<\/tr>\n
Return on average equity (\u201cROAE\u201d)<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.17<\/td>\n%<\/td>\n<\/tr>\n
Pre-tax income<\/td>\n$<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,099<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax, pre-provision income(1)<\/sup><\/td>\n$<\/td>\n28,339<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,706<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,599<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,508<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average basic common shares outstanding<\/td>\n\u00a0<\/td>\n21,273,902<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,253,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,225,831<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average diluted common shares outstanding<\/td>\n\u00a0<\/td>\n21,338,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,313,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,269,265<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shares outstanding at end of period<\/td>\n\u00a0<\/td>\n21,402,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,376,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,360,991<\/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<\/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 \u201cFive Star Bank\u2019s differentiated customer experience and reputation continue to power demand for our services. In the second quarter of 2026, we are pleased that net income increased to <\/em>
\n $19.4 million, compared to $18.6 million for the first quarter of 2026, and earnings per share increased to $0.91<\/em>
\n , up <\/em>
\n $0.04<\/em>
\n from the first quarter of 2026 and up <\/em>
\n $0.23<\/em>
\n from the second quarter of 2025. Net interest margin <\/em>
\n decreased<\/em>
\n by <\/em>
\n seven<\/em>
\n basis points to <\/em>
\n 3.63%. Total loans held for investment increased by $306.3 million<\/em>
\n , or <\/em>
\n 7%<\/em>
\n (approximately <\/em>
\n 29%<\/em>
\n when annualized), and total deposits increased by <\/em>
\n $330.0 million<\/em>
\n , or <\/em>
\n 7%<\/em>
\n (approximately <\/em>
\n 30%<\/em>
\n when annualized). We are also pleased with the continued execution of our strategic plan, including the payment of a cash dividend of <\/em>
\n $0.25<\/em>
\n per share to shareholders. In the second quarter, Five Star Bank was honored to be named the Best Place to Work by the San Francisco Business Times, ranking first overall among participating businesses with 25 to 49 employees in the San Francisco Bay Area. This recognition reflects our purpose-driven culture, which is a meaningful differentiator and an important contributor to our continued performance. I am proud of our team\u2019s accomplishments and look forward to the continued momentum of our organic growth stor<\/em>
\n y<\/em>
\n .\u201d<\/em>\n <\/p>\n

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

    \n
  • Total deposits increased by $330.0\u00a0million, or 7.38%, during the three months ended June\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 June\u00a030, 2026, non-wholesale deposits increased by $463.1 million, or 11.33%, and wholesale deposits decreased by $133.1 million, or 34.74%.<\/li>\n
  • The number of Business Development Officers increased from 43 at March\u00a031, 2026 to 45 at June\u00a030, 2026.<\/li>\n
  • Cash and cash equivalents were $685.1 million, representing 14.27% of total deposits at June\u00a030, 2026, as compared to 14.42% at March\u00a031, 2026.<\/li>\n
  • Consistent, disciplined management of expenses contributed to our efficiency ratio of 40.91% for the three months ended June\u00a030, 2026, as compared to 38.57% for the three months ended March\u00a031, 2026 and 41.03% for the three months ended June\u00a030, 2025.<\/li>\n
  • Net interest margin expanded by 10 basis points year-over-year, increasing from 3.53% for the three months ended June\u00a030, 2025 to 3.63% for the three months ended June\u00a030, 2026, demonstrating the Company’s ability to grow its margin even as the effective federal funds rate declined 70 basis points over the same period from 4.33% at June\u00a030, 2025 to 3.63% at June\u00a030, 2026. Net interest margin for the three months ended June\u00a030, 2026 contracted by seven basis points from 3.70% for the three months ended March\u00a031, 2026, reflecting that strong quarter-over-quarter growth in net interest income was primarily volume driven, as rapid balance sheet expansion modestly diluted the overall yield on earning assets.<\/li>\n
  • Other comprehensive income was $0.7 million during the three months ended June\u00a030, 2026. Unrealized losses, net of tax effect, on available-for-sale securities were $9.4 million as of June\u00a030, 2026. Total carrying value of held-to-maturity and available-for-sale securities represented 0.04% and 1.72% of total interest-earning assets, respectively, as of June\u00a030, 2026.<\/li>\n
  • The Company\u2019s common equity Tier 1 capital ratio was 9.98% and 10.45% as of June\u00a030, 2026 and March\u00a031, 2026, respectively. The Bank continues to meet all requirements to be considered \u201cwell-capitalized\u201d under applicable regulatory guidelines.<\/li>\n
  • Loan and deposit growth as of the dates provided below was as follows:<\/li>\n<\/ul>\n\n\n\n\n\n\n\n\n\n\n\n
    \n (in thousands)<\/em>\n <\/td>\n\n June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n March 31,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
    Loans held for investment<\/td>\n$<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n$<\/td>\n4,213,393<\/td>\n\u00a0<\/td>\n$<\/td>\n306,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.27<\/td>\n%<\/td>\n<\/tr>\n
    Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n1,174,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,232,696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(58,290<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.73<\/td>\n)%<\/td>\n<\/tr>\n
    Interest-bearing deposits<\/td>\n\u00a0<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,236,657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n388,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.00<\/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 June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2025<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
    Loans held for investment<\/td>\n$<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n$<\/td>\n3,758,025<\/td>\n\u00a0<\/td>\n$<\/td>\n761,656<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.27<\/td>\n%<\/td>\n<\/tr>\n
    Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n1,174,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,004,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.97<\/td>\n%<\/td>\n<\/tr>\n
    Interest-bearing deposits<\/td>\n\u00a0<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,890,561<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n734,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25.41<\/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 increased from 0.07% at March\u00a031, 2026 to 0.30% at June\u00a030, 2026, due to one Community Reinvestment Act loan that was placed on non-accrual status. The balance of the loan is $11.4 million as of June\u00a030, 2026 and was originally downgraded to substandard in 2025.<\/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 June\u00a030, 2026. The Company\u2019s Board of Directors declared an additional cash dividend of $0.25 per share on July\u00a016, 2026, which the Company expects to pay on August\u00a010, 2026 to shareholders of record as of August\u00a03, 2026.<\/li>\n<\/ul>\n

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

      \n Three months ended <\/em>
      \n June\u00a030, 2026<\/em>
      \n , as compared to three months ended <\/em>
      \n March\u00a031, 2026<\/em>\n <\/p>\n

      The Company\u2019s net income was $19.4 million for the three months ended June\u00a030, 2026, as compared to $18.6 million for the three months ended March\u00a031, 2026. Net interest income increased by $2.6 million during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, primarily due to an increase in interest income driven by loan growth and higher interest-earning deposits in banks, partially offset by an increase in interest expense driven by deposit growth. The provision for credit losses decreased by $0.4 million during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, reflecting lower loss estimates driven by strong loan growth concentrated in pools with relatively lower loss rates. Non-interest income increased by $0.2 million during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, primarily due to an overall improvement in earnings related to investments in venture-backed funds, partially offset by lower fees from swap referrals, and the absence of a special FHLB stock dividend. Non-interest expense increased by $2.2 million during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, primarily due to a $1.0 million loss contingency release on a U.S. Small Business Administration (\u201cSBA\u201d) loan that benefitted the three months ended March\u00a031, 2026, which did not reoccur during the three months ended June\u00a030, 2026, as well as higher advertising, promotional, data processing, and software expenses tied to continued organizational growth.<\/p>\n

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

      The Company\u2019s net income was $19.4 million for the three months ended June\u00a030, 2026, as compared to $14.5 million for the three months ended June\u00a030, 2025. Net interest income increased by $9.6 million during the three months ended June\u00a030, 2026, as compared to the three months ended June\u00a030, 2025, primarily due to an increase in interest income driven by loan growth and higher interest-earning deposits in banks, partially offset by an increase in interest expense driven by deposit growth, though moderated by a decrease in the average cost of deposits. The provision for credit losses decreased by $0.3 million, reflecting lower net charge-offs in the three months ended June\u00a030, 2026 compared to the three months ended June\u00a030, 2025. Non-interest income increased by $0.1 million during the three months ended June\u00a030, 2026, as compared to the three months ended June\u00a030, 2025, primarily reflecting higher loan referral income and fees from swap referrals, as well as an overall improvement in earnings related to investments in venture-backed funds. These increases were partially offset by lower FHLB stock dividends and an intentional reduction in gain on sale of loans. Non-interest expense increased by $3.9 million during the three months ended June\u00a030, 2026, as compared to the three months ended June\u00a030, 2025, driven primarily by increased 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\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\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/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\u00a0<\/td>\n<\/tr>\n
      Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,626<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.04<\/td>\n%<\/td>\n<\/tr>\n
      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,675<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(425<\/td>\n)<\/td>\n\u00a0<\/td>\n(15.89<\/td>\n)%<\/td>\n<\/tr>\n
      Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n229<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.94<\/td>\n%<\/td>\n<\/tr>\n
      Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,222<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.77<\/td>\n%<\/td>\n<\/tr>\n
      Pre-tax income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.23<\/td>\n%<\/td>\n<\/tr>\n
      Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,410<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.37<\/td>\n%<\/td>\n<\/tr>\n
      Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n778<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.18<\/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\u00a0<\/td>\n<\/tr>\n
      Basic<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.04<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.60<\/td>\n%<\/td>\n<\/tr>\n
      Diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.04<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.60<\/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\u00a0<\/td>\n<\/tr>\n
      ROAA<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.73<\/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>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.70<\/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>\n\u00a0<\/td>\n2.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.20<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.57<\/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\n
      \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/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\u00a0<\/td>\n<\/tr>\n
      Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,515<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,568<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.20<\/td>\n%<\/td>\n<\/tr>\n
      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(250<\/td>\n)<\/td>\n\u00a0<\/td>\n(10.00<\/td>\n)%<\/td>\n<\/tr>\n
      Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,810<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.43<\/td>\n%<\/td>\n<\/tr>\n
      Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,726<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.74<\/td>\n%<\/td>\n<\/tr>\n
      Pre-tax income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,990<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.80<\/td>\n%<\/td>\n<\/tr>\n
      Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.66<\/td>\n%<\/td>\n<\/tr>\n
      Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.71<\/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\u00a0<\/td>\n<\/tr>\n
      Basic<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.23<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.82<\/td>\n%<\/td>\n<\/tr>\n
      Diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.23<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.82<\/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\u00a0<\/td>\n<\/tr>\n
      ROAA<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      ROAE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.17<\/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>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.53<\/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>\n\u00a0<\/td>\n2.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41.03<\/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\u00a0<\/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\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/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\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,031,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n345,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.86<\/td>\n%<\/td>\n<\/tr>\n
      Cash and cash equivalents<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n685,074<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n644,359<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,715<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.32<\/td>\n%<\/td>\n<\/tr>\n
      Total loans held for investment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,213,393<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n306,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.27<\/td>\n%<\/td>\n<\/tr>\n
      Total investments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,131<\/td>\n)<\/td>\n\u00a0<\/td>\n(1.21<\/td>\n)%<\/td>\n<\/tr>\n
      Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,903,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,573,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n330,059<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.22<\/td>\n%<\/td>\n<\/tr>\n
      Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,799,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,469,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n330,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.38<\/td>\n%<\/td>\n<\/tr>\n
      Subordinated notes, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n%<\/td>\n<\/tr>\n
      Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n473,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n458,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,252<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.33<\/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\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n
        \n
      • Insured and collateralized deposits were approximately $3.2 billion, representing 65.80% of total deposits as of June\u00a030, 2026, as compared to 65.55% as of March\u00a031, 2026. Net uninsured and uncollateralized deposits were approximately $1.6 billion as of June\u00a030, 2026, increasing from $1.5 billion at March\u00a031, 2026.<\/li>\n
      • Non-wholesale deposit balances constituted 94.79% of total deposits as of June\u00a030, 2026, as compared to 91.43% as of March\u00a031, 2026. Deposit relationships of greater than $5 million represented 63.88% of total deposits as of June\u00a030, 2026, as compared to 60.67% as of March\u00a031, 2026, and had an average age of approximately 7.39 years as of June\u00a030, 2026, as compared to 7.98 years as of March\u00a031, 2026.<\/li>\n
      • Total deposits as of June\u00a030, 2026 were $4.8 billion, an increase of $330.0 million, or 7.38%, from March\u00a031, 2026, comprised of an increase in interest-bearing deposits, partially offset by a decrease in non-interest-bearing deposits.<\/li>\n
      • Cash and cash equivalents as of June\u00a030, 2026 were $685.1 million, representing 14.27% of total deposits at June\u00a030, 2026, as compared to 14.42% as of March\u00a031, 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 $2.3 billion as of June\u00a030, 2026, as compared to $2.2 billion at March\u00a031, 2026.<\/li>\n<\/ul>\n\n\n\n\n\n\n\n\n
        \u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n Line of Credit<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Letters of
        Credit Issued<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n Borrowings<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Available<\/strong>\n <\/td>\n<\/tr>\n
        Federal Home Loan Bank of San Francisco (\u201cFHLB\u201d) advances<\/td>\n\u00a0<\/td>\n$<\/td>\n1,629,065<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297,500<\/td>\n\u00a0<\/td>\n$<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n$<\/td>\n331,565<\/td>\n<\/tr>\n
        Federal Reserve Discount Window<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,074,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,074,577<\/td>\n<\/tr>\n
        Correspondent bank lines of credit<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n185,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n185,000<\/td>\n<\/tr>\n
        Cash and cash equivalents<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n685,074<\/td>\n<\/tr>\n
        Total<\/td>\n\u00a0<\/td>\n$<\/td>\n2,888,642<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297,500<\/td>\n\u00a0<\/td>\n$<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n$<\/td>\n2,276,216<\/td>\n<\/tr>\n<\/table>\n

        \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n December 31,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/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\u00a0<\/td>\n<\/tr>\n
        Total assets<\/td>\n\u00a0<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n4,754,861<\/td>\n\u00a0<\/td>\n622,201<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.09<\/td>\n%<\/td>\n<\/tr>\n
        Cash and cash equivalents<\/td>\n\u00a0<\/td>\n685,074<\/td>\n\u00a0<\/td>\n506,851<\/td>\n\u00a0<\/td>\n178,223<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.16<\/td>\n%<\/td>\n<\/tr>\n
        Total loans held for investment<\/td>\n\u00a0<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n4,074,929<\/td>\n\u00a0<\/td>\n444,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.91<\/td>\n%<\/td>\n<\/tr>\n
        Total investments<\/td>\n\u00a0<\/td>\n92,719<\/td>\n\u00a0<\/td>\n96,889<\/td>\n\u00a0<\/td>\n(4,170<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.30<\/td>\n)%<\/td>\n<\/tr>\n
        Total liabilities<\/td>\n\u00a0<\/td>\n4,903,291<\/td>\n\u00a0<\/td>\n4,309,029<\/td>\n\u00a0<\/td>\n594,262<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.79<\/td>\n%<\/td>\n<\/tr>\n
        Total deposits<\/td>\n\u00a0<\/td>\n4,799,383<\/td>\n\u00a0<\/td>\n4,201,084<\/td>\n\u00a0<\/td>\n598,299<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.24<\/td>\n%<\/td>\n<\/tr>\n
        Subordinated notes, net<\/td>\n\u00a0<\/td>\n74,114<\/td>\n\u00a0<\/td>\n74,041<\/td>\n\u00a0<\/td>\n73<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n%<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n473,771<\/td>\n\u00a0<\/td>\n445,832<\/td>\n\u00a0<\/td>\n27,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.27<\/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<\/tr>\n<\/table>\n

        The increase in total assets from December\u00a031, 2025 to June\u00a030, 2026 was primarily comprised of a $444.8 million\u00a0increase in total loans held for investment and a $178.2 million\u00a0increase in cash and cash equivalents. The $444.8 million increase in total loans held for investment between December\u00a031, 2025 and June\u00a030, 2026 was a result of $1.0 billion in loan originations and advances, partially offset by $162.1 million and $421.9 million in loan payoffs and paydowns, respectively. The $444.8 million increase in total loans held for investment included $145.0 million in purchased loans within the consumer section of the loan portfolio. The $178.2 million increase in cash and cash equivalents primarily resulted from the net increase in cash inflows from growth in total deposits of $598.3 million and cash outflows from growth in total loans held for investment of $444.8 million.<\/p>\n

        The increase in total liabilities from December\u00a031, 2025 to June\u00a030, 2026 was primarily due to an increase in deposits of $598.3 million. The increase in deposits was largely due to increases in money market, interest-bearing transaction, and non-interest-bearing deposits of $590.7 million, $156.1 million, and $89.9 million, respectively, partially offset by a $246.6 million decrease in time deposits, mainly attributable to a $215.0 million decline in wholesale deposits.<\/p>\n

        The increase in total shareholders\u2019 equity from December\u00a031, 2025 to June\u00a030, 2026 was primarily a result of $38.0 million recognized as net income during the period, partially offset by $10.7 million in cash dividends paid during the period and a $0.3 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\n
        \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n\u00a0<\/td>\n$<\/td>\n72,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n67,347<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,980<\/td>\n\u00a0<\/td>\n7.39<\/td>\n%<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,354<\/td>\n\u00a0<\/td>\n9.85<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,626<\/td>\n\u00a0<\/td>\n6.04<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.70<\/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\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n\u00a0<\/td>\n$<\/td>\n72,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,580<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,747<\/td>\n\u00a0<\/td>\n19.39<\/td>\n%<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,179<\/td>\n\u00a0<\/td>\n9.05<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,515<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,568<\/td>\n\u00a0<\/td>\n26.20<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.53<\/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\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\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\n
        \u00a0<\/td>\n\u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/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        		\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\u00a0<\/td>\n<\/tr>\n
        Interest-earning deposits in banks<\/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$<\/td>\n512,308<\/td>\n\u00a0<\/td>\n$<\/td>\n4,687<\/td>\n\u00a0<\/td>\n3.71<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n361,866<\/td>\n\u00a0<\/td>\n$<\/td>\n3,987<\/td>\n\u00a0<\/td>\n4.42<\/td>\n%<\/td>\n<\/tr>\n
        Investment securities<\/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>\n96,787<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n544<\/td>\n\u00a0<\/td>\n2.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n97,886<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n577<\/td>\n\u00a0<\/td>\n2.37<\/td>\n%<\/td>\n<\/tr>\n
        Loans held for investment and sale<\/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>\n4,150,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,116<\/td>\n\u00a0<\/td>\n6.07<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,691,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56,016<\/td>\n\u00a0<\/td>\n6.09<\/td>\n%<\/td>\n<\/tr>\n
        Total interest-earning assets<\/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>\n4,759,541<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67,347<\/td>\n\u00a0<\/td>\n5.74<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,151,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60,580<\/td>\n\u00a0<\/td>\n5.85<\/td>\n%<\/td>\n<\/tr>\n
        Interest receivable and other assets, net<\/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>\n118,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total assets<\/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>\n4,878,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,253,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Liabilities and shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing transaction accounts<\/td>\n\u00a0<\/td>\n$<\/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>\n343,663<\/td>\n\u00a0<\/td>\n$<\/td>\n1,133<\/td>\n\u00a0<\/td>\n1.34<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n283,369<\/td>\n\u00a0<\/td>\n$<\/td>\n1,043<\/td>\n\u00a0<\/td>\n1.48<\/td>\n%<\/td>\n<\/tr>\n
        Savings accounts<\/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>\n138,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n830<\/td>\n\u00a0<\/td>\n2.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n801<\/td>\n\u00a0<\/td>\n2.64<\/td>\n%<\/td>\n<\/tr>\n
        Money market accounts<\/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>\n2,185,347<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,851<\/td>\n\u00a0<\/td>\n2.94<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,647,628<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,270<\/td>\n\u00a0<\/td>\n3.23<\/td>\n%<\/td>\n<\/tr>\n
        Time accounts<\/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>\n531,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,915<\/td>\n\u00a0<\/td>\n3.75<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n726,295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,790<\/td>\n\u00a0<\/td>\n4.30<\/td>\n%<\/td>\n<\/tr>\n
        Subordinated notes and other borrowings<\/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>\n74,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,161<\/td>\n\u00a0<\/td>\n6.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,161<\/td>\n\u00a0<\/td>\n6.30<\/td>\n%<\/td>\n<\/tr>\n
        Total interest-bearing liabilities<\/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>\n3,272,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,890<\/td>\n\u00a0<\/td>\n2.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,852,951<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,065<\/td>\n\u00a0<\/td>\n3.38<\/td>\n%<\/td>\n<\/tr>\n
        Demand accounts<\/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>\n1,122,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n957,034<\/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>\n\u00a0<\/td>\n31,140<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Shareholders\u2019 equity<\/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>\n451,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n410,609<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities & shareholders\u2019 equity<\/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$<\/td>\n4,878,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,253,000<\/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\u00a0<\/td>\n<\/tr>\n
        Net interest spread<\/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>\n2.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.47<\/td>\n%<\/td>\n<\/tr>\n
        Net interest income\/margin<\/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>\n43,457<\/td>\n\u00a0<\/td>\n3.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,515<\/td>\n\u00a0<\/td>\n3.53<\/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\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

        Net interest income during the three months ended June\u00a030, 2026 increased by $2.6 million, or 6.04%, to $46.1 million, as compared to $43.5 million during the three months ended March\u00a031, 2026. Net interest margin totaled 3.63% for the three months ended June\u00a030, 2026, a decrease of seven basis points compared to the prior quarter, reflecting that strong quarter-over-quarter growth in net interest income was primarily volume driven, as rapid balance sheet expansion modestly diluted the overall yield on earning assets. The increase in net interest income is primarily attributable to a $5.0 million increase in interest income, mainly due to a $177.9 million, or 4.29%, increase in the average balance of loans and a $164.8 million, or 32.18%, increase in the average balance of interest-earning deposits in banks (deposits placed with other financial institutions to earn interest). The increase in interest income was partially offset by a $2.4 million increase in interest expense due to a $330.1 million, or 7.64%, increase in the average balance of deposits, combined with a three basis point increase in the average cost of deposits. The average balance of non-interest bearing deposits increased by $41.9 million, or 3.74%, quarter-over-quarter, helping to partially offset the rise in deposit funding costs.<\/p>\n

        As compared to the three months ended June\u00a030, 2025, net interest income during the three months ended June\u00a030, 2026 increased by $9.6 million, or 26.20%, to $46.1 million from $36.5 million. Net interest margin totaled 3.63% for the three months ended June\u00a030, 2026, an increase of 10 basis points compared to the same quarter of the prior year. The improvement was driven by balance sheet growth and a favorable shift in funding mix, which more than offset pressure from declining federal funds rates over the same period. The increase in net interest income is primarily attributable to an $11.7 million increase in interest income, mainly due to a $636.7 million, or 17.25%, increase in the average balance of loans and a $315.3 million, or 87.13%, increase in the average balance of interest-earning deposits in banks (deposits placed with other financial institutions to earn interest). This increase in interest income was partially offset by a $2.2 million increase in interest expense, stemming from a $914.3 million, or 24.47%, increase in the average balance of deposits during the three months ended June\u00a030, 2026, moderated by a 30 basis point decrease in average cost of deposits compared to the same quarter of the prior year. Further supporting the decreasing average cost of deposits, the average balance of non-interest-bearing deposits increased by $207.0 million, or 21.62%, 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
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n<\/tr>\n
        Real estate:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial<\/td>\n\u00a0<\/td>\n$<\/td>\n3,597,173<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,421,902<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial land and development<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,519<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial construction<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n124,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n108,179<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Residential construction<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,808<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Residential<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,874<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,195<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Farmland<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,090<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Commercial:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Secured<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258,736<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n243,140<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Unsecured<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,263<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,971<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Consumer and other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n374,614<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n275,891<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net deferred loan fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,248<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,302<\/td>\n)<\/td>\n<\/tr>\n
        Total loans held for investment<\/td>\n\u00a0<\/td>\n$<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,213,393<\/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<\/tr>\n<\/table>\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
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing transaction accounts<\/td>\n\u00a0<\/td>\n$<\/td>\n500,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n349,138<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Savings accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n141,961<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Money market accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,669,295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,291,215<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Time accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n307,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n454,343<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total interest-bearing deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,236,657<\/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<\/tr>\n<\/table>\n

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

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

        At June\u00a030, 2026, the Company\u2019s allowance for credit losses was $47.3 million, as compared to $44.4 million at December\u00a031, 2025. The $2.9 million increase in the allowance is due to a $4.6 million provision for credit losses recorded during the six months ended June\u00a030, 2026, partially offset by net charge-offs of $1.6 million, primarily attributable to commercial and industrial loans, during the same period.<\/p>\n

        The Company\u2019s nonperforming loans increased from $3.1 million to $13.4 million between December\u00a031, 2025 and June\u00a030, 2026, increasing the ratio of nonperforming loans to loans held for investment from 0.08% at December\u00a031, 2025 to 0.30% at June\u00a030, 2026. This increase was due to one Community Reinvestment Act loan that was placed on non-accrual status during the period. The balance of the loan is $11.4 million as of June\u00a030, 2026, and it was originally downgraded to substandard in 2025. This was partially offset by improvements across the remainder of the nonperforming loan portfolio. Loans designated as watch increased from $101.9 million to $154.6 million between December\u00a031, 2025 and June\u00a030, 2026. Loans designated as special mention increased from $37.5 million to $44.9 million between December\u00a031, 2025 and June\u00a030, 2026. Loans designated as substandard decreased from $22.3 million to $20.3 million between December\u00a031, 2025 and June\u00a030, 2026. There were no loans with doubtful risk grades at June 30, 2026 or December 31, 2025.<\/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\n
        \u00a0<\/td>\n\u00a0<\/td>\nJune 30, 2026<\/td>\n\u00a0<\/td>\nDecember 31, 2025<\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\nAmount<\/td>\n\u00a0<\/td>\n% of Total<\/td>\n\u00a0<\/td>\nAmount<\/td>\n\u00a0<\/td>\n% of Total<\/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\u00a0<\/td>\n<\/tr>\n
        Commercial<\/td>\n\u00a0<\/td>\n$<\/td>\n28,371<\/td>\n\u00a0<\/td>\n59.92<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n25,219<\/td>\n\u00a0<\/td>\n56.77<\/td>\n%<\/td>\n<\/tr>\n
        Commercial land and development<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90<\/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>\n\u00a0<\/td>\n4,444<\/td>\n\u00a0<\/td>\n9.39<\/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>\n\u00a0<\/td>\n533<\/td>\n\u00a0<\/td>\n1.13<\/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>\n\u00a0<\/td>\n419<\/td>\n\u00a0<\/td>\n0.89<\/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>\n\u00a0<\/td>\n468<\/td>\n\u00a0<\/td>\n0.99<\/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>\n\u00a0<\/td>\n34,325<\/td>\n\u00a0<\/td>\n72.51<\/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\u00a0<\/td>\n<\/tr>\n
        Secured<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,594<\/td>\n\u00a0<\/td>\n20.27<\/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>\n\u00a0<\/td>\n486<\/td>\n\u00a0<\/td>\n1.03<\/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>\n\u00a0<\/td>\n10,080<\/td>\n\u00a0<\/td>\n21.30<\/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>\n\u00a0<\/td>\n2,930<\/td>\n\u00a0<\/td>\n6.19<\/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\u00a0<\/td>\n$<\/td>\n47,335<\/td>\n\u00a0<\/td>\n100.00<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n44,409<\/td>\n\u00a0<\/td>\n100.00<\/td>\n%<\/td>\n<\/tr>\n
        \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

        The ratio of allowance for credit losses to loans held for investment was 1.05% at June\u00a030, 2026, as compared to 1.09% at December\u00a031, 2025.<\/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\n
        \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/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\u00a0<\/td>\n$<\/td>\n122<\/td>\n\u00a0<\/td>\n$<\/td>\n135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n(9.63<\/td>\n)%<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(586<\/td>\n)<\/td>\n\u00a0<\/td>\n(46.32<\/td>\n)%<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n762<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(571<\/td>\n)<\/td>\n\u00a0<\/td>\n(74.93<\/td>\n)%<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.78<\/td>\n%<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(744<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,359<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(182.66<\/td>\n)%<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n1,872<\/td>\n\u00a0<\/td>\n$<\/td>\n1,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n229<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.94<\/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\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

        \n Loan-related fees. <\/em>The decrease resulted primarily from a decrease of $0.7 million in fees from swap referrals during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, partially offset by an increase of $0.1 million in loan referral income.<\/p>\n

        \n FHLB stock dividends<\/em>. The decrease related primarily to a $0.4 million special cash dividend from the FHLB during the three months ended March\u00a031, 2026 that did not reoccur during the three months ended June\u00a030, 2026. The remainder of the decrease primarily related to the FHLB\u2019s transition to a tier-based dividend structure, which lowered the Bank\u2019s effective dividend rate received.<\/p>\n

        \n Other income.<\/em> The increase related primarily to an overall improvement in earnings related to investments in venture-backed funds during the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 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\n\n
        \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\u00a0<\/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\u00a0<\/td>\n$<\/td>\n122<\/td>\n\u00a0<\/td>\n$<\/td>\n196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(74<\/td>\n)<\/td>\n\u00a0<\/td>\n(37.76<\/td>\n)%<\/td>\n<\/tr>\n
        Gain on sale of loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(119<\/td>\n)<\/td>\n\u00a0<\/td>\n(100.00<\/td>\n)%<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n468<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45.09<\/td>\n%<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n325<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(134<\/td>\n)<\/td>\n\u00a0<\/td>\n(41.23<\/td>\n)%<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n220<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.45<\/td>\n%<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27.59<\/td>\n%<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n1,872<\/td>\n\u00a0<\/td>\n$<\/td>\n1,810<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.43<\/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\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

        \n Gain on sale of loans. <\/em>The decrease related to an overall decline in the volume of SBA loans sold due to a strategic, intentional reduction in originations of loans held for sale. During the three months ended June\u00a030, 2026, no SBA loans were sold, as compared to approximately $1.6 million of loans sold with an effective yield of 7.60% during the three months ended June\u00a030, 2025.<\/p>\n

        \n Loan-related fees. <\/em>The increase resulted primarily from an increase of $0.1 million in loan referral income, combined with an increase of $0.1 million in fees from swap referrals during the three months ended June\u00a030, 2026, as compared to the three months ended June\u00a030, 2025.<\/p>\n

        \n FHLB stock dividends<\/em>. The decrease related primarily to the FHLB\u2019s transition to a tier-based dividend structure, which lowered the Bank\u2019s effective dividend rate received.<\/p>\n

        \n Other income. <\/em>The increase related primarily to an overall improvement in earnings related to investments in venture-backed funds during the three months ended June\u00a030, 2026 compared to the three months ended June\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\n
        \u00a0<\/td>\n\u00a0<\/td>\n\n Three months ended<\/strong>\n <\/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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\u00a0<\/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\u00a0<\/td>\n$<\/td>\n11,421<\/td>\n\u00a0<\/td>\n$<\/td>\n11,430<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(9<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.08<\/td>\n)%<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.31<\/td>\n%<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n158<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.19<\/td>\n%<\/td>\n<\/tr>\n
        Federal Deposit Insurance Corporation (\u201cFDIC\u201d) insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n545<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.34<\/td>\n%<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.81<\/td>\n%<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n744<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.90<\/td>\n%<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23.08<\/td>\n%<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,691<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150.71<\/td>\n%<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n19,616<\/td>\n\u00a0<\/td>\n$<\/td>\n17,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,222<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.77<\/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\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\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; and (iii) an increased number of licenses required for new users on our loan origination and documentation system.<\/p>\n

        \n Advertising and promotional.<\/em> The increase related primarily to additional expenses incurred to support the expansion of the Bank\u2019s business development teams, including $0.1 million related to business development expenses and $0.1 million related to donations, sponsorships, and advertising expenses.<\/p>\n

        \n Other operating expenses.<\/em> The increase related primarily to the release of a $1.0 million loss contingency on an SBA loan during the three months ended March\u00a031, 2026. No such release occurred during the three months ended June\u00a030, 2026. The remainder of the increase was primarily due to: (i) a $0.4 million increase in employee-related expenses such as travel, conferences, and training; (ii) a $0.1 million increase in administrative charges, including bank charges; and (iii) a $0.1 million increase in operational losses.<\/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\n
        \u00a0<\/td>\n\u00a0<\/td>\n\n Three months ended<\/strong>\n <\/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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2025<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\u00a0<\/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\u00a0<\/td>\n$<\/td>\n11,421<\/td>\n\u00a0<\/td>\n$<\/td>\n8,910<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.18<\/td>\n%<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n216<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.88<\/td>\n%<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n201<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.33<\/td>\n%<\/td>\n<\/tr>\n
        FDIC insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.47<\/td>\n%<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n918<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.70<\/td>\n%<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n865<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.87<\/td>\n%<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(119<\/td>\n)<\/td>\n\u00a0<\/td>\n(28.13<\/td>\n)%<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n838<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.43<\/td>\n%<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n19,616<\/td>\n\u00a0<\/td>\n$<\/td>\n15,726<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.74<\/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\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

        \n Salaries and employee benefits.<\/em> The increase related primarily to: (i) a $2.8 million increase in salaries, benefits, and bonus expense, mainly related to a 13.30% increase in headcount between June\u00a030, 2025 and June\u00a030, 2026; and (ii) a $0.7 million increase in commissions primarily due to higher loan originations period-over-period. This increase was partially offset by a $0.9 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 due to expenses for the Walnut Creek branch office and Newport Beach non-depository office during the three months ended June\u00a030, 2026, which did not exist for the three months ended June\u00a030, 2025.<\/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; and (iii) an increased number of licenses required for new users on our loan origination and documentation system.<\/p>\n

        \n FDIC insurance<\/em>. The increase was primarily due to a $916.2 million increase in the assessment base period-over-period.<\/p>\n

        \n Loan-related expenses.<\/em> The decrease related primarily to lower inspection and legal expenses. Although loan originations were higher period-over-period, a greater mix of purchased loans and large credit relationships reduced per-unit inspection costs, and inspection activity was delayed relative to the prior period.<\/p>\n

        \n Other operating expenses. <\/em>The increase related primarily to: (i) a $0.3 million increase in employee-related expenses such as travel and professional association memberships; (ii) a $0.2 million increase in bank charges; (iii) a $0.1 million increase in operational losses; (iv) a $0.1 million increase in IntraFi Network fees resulting from an overall increase in balances carried in the network; and (v) a $0.1 million increase in armored car and courier services.<\/p>\n

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

        \n Three months ended June\u00a030, 2026, as compared to three months ended March\u00a031, 2026<\/em>\n <\/p>\n

        Provision for income taxes increased by $0.3 million, or 4.37%, for the three months ended June\u00a030, 2026, as compared to the three months ended March\u00a031, 2026, which was primarily due to an increase in taxable income. The effective tax rates were 25.64% and 25.61% for the three months ended June\u00a030, 2026 and March\u00a031, 2026, respectively.<\/p>\n

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

        Provision for income taxes increased by $1.1 million, or 19.66%, for the three months ended June\u00a030, 2026, as compared to the three months ended June\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 June\u00a030, 2026 related to the purchase of transferable tax credits that did not occur during the three months ended June\u00a030, 2025. The effective tax rates were 25.64% and 27.82% for the three months ended June\u00a030, 2026 and June\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 Thursday, July 23, 2026 at 1:00 PM ET (10:00 AM PT) to discuss its second 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\u00a0Five 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, following the opening of a branch in Lodi in July 2026.<\/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 Report on Form 10-Q for the three months ended March 31, 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\n\n
        \u00a0<\/td>\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\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 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\u00a0<\/td>\n<\/tr>\n
        Interest and fee income<\/td>\n\u00a0<\/td>\n$<\/td>\n72,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n67,347<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,580<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,515<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,675<\/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>\n\u00a0<\/td>\n43,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,782<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,015<\/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\u00a0<\/td>\n<\/tr>\n
        Service charges on deposit accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n196<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Gain on sale of loans<\/td>\n\u00a0<\/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>\n119<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loan-related fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n468<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FHLB stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n762<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n325<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Earnings on bank-owned life insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n220<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(744<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n482<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,810<\/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\u00a0<\/td>\n<\/tr>\n
        Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,421<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,430<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,910<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n657<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Data processing and software<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,508<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FDIC insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n545<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n470<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Professional services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n918<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Advertising and promotional<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n744<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n865<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loan-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n423<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other operating expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,975<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,726<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Income before provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,099<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,410<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,591<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,508<\/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<\/tr>\n
        \n Comprehensive Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n19,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,508<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Net unrealized holding gain (loss) on securities available-for-sale during the period<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n946<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,173<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n190<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Less: Income tax expense (benefit) related to other comprehensive income (loss)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(201<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n502<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Other comprehensive income (loss)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(972<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(312<\/td>\n)<\/td>\n<\/tr>\n
        Total comprehensive income<\/td>\n\u00a0<\/td>\n$<\/td>\n20,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,649<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,196<\/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<\/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\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\u00a0<\/td>\n<\/tr>\n
        Basic<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Book value per share<\/td>\n\u00a0<\/td>\n$<\/td>\n22.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21.45<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.51<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Tangible book value per share(1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n22.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21.45<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.51<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Weighted average basic common shares outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,273,902<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,253,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,225,831<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Weighted average diluted common shares outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,338,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,313,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,269,265<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Shares outstanding at end of period<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,402,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,376,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,360,991<\/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<\/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\u00a0<\/td>\n<\/tr>\n
        ROAA<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.37<\/td>\n%<\/td>\n<\/tr>\n
        ROAE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.17<\/td>\n%<\/td>\n<\/tr>\n
        Net interest margin<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.53<\/td>\n%<\/td>\n<\/tr>\n
        Loan to deposit(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94.27<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.50<\/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 (1)<\/sup> See the section entitled \u201cNon-GAAP Reconciliation (Unaudited)\u201d for a reconciliation of this non-GAAP financial measure.<\/p>\n

        \n (2)<\/sup> Loan balance in loan to deposit ratio is total loans held for investment and sale at period end. Deposit balance in loan to deposit ratio is total deposits at period end.<\/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\n
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 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\u00a0<\/td>\n<\/tr>\n
        Cash and due from financial institutions<\/td>\n\u00a0<\/td>\n$<\/td>\n45,966<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,724<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing deposits in banks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n639,108<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n598,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n430,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Time deposits in banks<\/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\u00a0<\/td>\n\u00a0<\/td>\n849<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Securities – available-for-sale, at fair value<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,584<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n91,715<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94,990<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Securities – held-to-maturity, at amortized cost<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,585<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loans held for sale<\/td>\n\u00a0<\/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>\n309<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Loans held for investment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,519,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,213,393<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,758,025<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Allowance for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47,335<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(46,439<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(40,167<\/td>\n)<\/td>\n<\/tr>\n
        Loans held for investment, net of allowance for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,472,346<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,166,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,717,858<\/td>\n\u00a0<\/td>\n<\/tr>\n
        FHLB stock<\/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\u00a0<\/td>\n\u00a0<\/td>\n15,000<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Operating leases, right-of-use asset<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,428<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,094<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Premises and equipment, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,333<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,090<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,606<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Bank-owned life insurance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,466<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest receivable and other assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70,693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,906<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,031,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,413,473<\/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<\/tr>\n
        Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n1,174,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,232,696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,004,061<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,624,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,236,657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,890,561<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,799,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,469,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,894,622<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Subordinated notes, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73,968<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Operating lease liability<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,262<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,744<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Interest payable and other liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,397<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,903,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,573,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,996,731<\/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<\/tr>\n
        Common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n304,372<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n303,155<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Retained earnings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n178,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n164,262<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n125,545<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Accumulated other comprehensive loss, net of taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,415<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10,115<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11,958<\/td>\n)<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n473,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n458,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n416,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Total liabilities and shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n5,377,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,031,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,413,473<\/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<\/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\u00a0<\/td>\n<\/tr>\n
        Average loans held for investment and sale<\/td>\n\u00a0<\/td>\n$<\/td>\n4,328,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,150,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,691,616<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average interest-earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,099,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,759,541<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,151,368<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,222,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,878,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,253,000<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,320,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,736,018<\/td>\n\u00a0<\/td>\n<\/tr>\n
        Average total equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n466,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n451,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n410,609<\/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<\/tr>\n
        \n Credit Quality<\/strong>\n <\/td>\n\u00a0<\/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>\n\u00a0<\/td>\n354.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,649.11<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,763.26<\/td>\n%<\/td>\n<\/tr>\n
        Nonperforming loans to loans held for investment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n%<\/td>\n<\/tr>\n
        Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/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>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.07<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/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\u00a0<\/td>\n<\/tr>\n
        Total shareholders\u2019 equity to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.11<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.44<\/td>\n%<\/td>\n<\/tr>\n
        Tangible shareholders\u2019 equity to tangible assets(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.11<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.44<\/td>\n%<\/td>\n<\/tr>\n
        Total capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.73<\/td>\n%<\/td>\n<\/tr>\n
        Tier 1 capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.85<\/td>\n%<\/td>\n<\/tr>\n
        Common equity Tier 1 capital (to risk-weighted assets)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.85<\/td>\n%<\/td>\n<\/tr>\n
        Tier 1 leverage ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.03<\/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 (1)<\/sup> See the section entitled \u201cNon-GAAP Reconciliation (Unaudited)\u201d for a reconciliation of this non-GAAP financial measure.<\/p>\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<\/td>\n\u00a0<\/td>\n\n Three months ended<\/strong>\n <\/td>\n<\/tr>\n
        \n (in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n March 31,<\/strong>
        \n
        \n 2026<\/strong>\n <\/td>\n        		\u00a0<\/td>\n\n June 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\u00a0<\/td>\n<\/tr>\n
        Pre-tax income<\/td>\n\u00a0<\/td>\n$<\/td>\n26,089<\/td>\n\u00a0<\/td>\n$<\/td>\n25,031<\/td>\n\u00a0<\/td>\n$<\/td>\n20,099<\/td>\n<\/tr>\n
        Add: provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,675<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,500<\/td>\n<\/tr>\n
        Pre-tax, pre-provision income<\/td>\n\u00a0<\/td>\n$<\/td>\n28,339<\/td>\n\u00a0<\/td>\n$<\/td>\n27,706<\/td>\n\u00a0<\/td>\n$<\/td>\n22,599<\/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<\/tr>\n<\/table>\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., July 22, 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 $19.4 million for the three months ended June 30, 2026, as compared to $18.6 million for the three months ended March 31, 2026 and $14.5 million for the three months ended June 30, 2025. Second 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) June 30, 2026 \u00a0 March 31, 2026 \u00a0 June 30, 2025 Return on average assets (\u201cROAA\u201d) … <\/p>\n

        Continue reading “Five Star Bancorp Announces Second 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-983761","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nFive Star Bancorp Announces Second 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-second-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 Second Quarter 2026 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"RANCHO CORDOVA, Calif., July 22, 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 $19.4 million for the three months ended June 30, 2026, as compared to $18.6 million for the three months ended March 31, 2026 and $14.5 million for the three months ended June 30, 2025. Second 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) June 30, 2026 \u00a0 March 31, 2026 \u00a0 June 30, 2025 Return on average assets (\u201cROAA\u201d) … Continue reading "Five Star Bancorp Announces Second Quarter 2026 Results"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/five-star-bancorp-announces-second-quarter-2026-results\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-22T22:17:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTc2NjQzMiM3NzE3MzAyIzIyMDY4MDY=\" \/>\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=\"27 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-second-quarter-2026-results\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-second-quarter-2026-results\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Five Star Bancorp Announces Second Quarter 2026 Results\",\"datePublished\":\"2026-07-22T22:17:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-second-quarter-2026-results\\\/\"},\"wordCount\":5396,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-second-quarter-2026-results\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTc2NjQzMiM3NzE3MzAyIzIyMDY4MDY=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-second-quarter-2026-results\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/five-star-bancorp-announces-second-quarter-2026-results\\\/\",\"name\":\"Five Star Bancorp Announces Second Quarter 2026 Results - 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