Five Star Bancorp is a California bank holding company that operates Five Star Bank, a state-chartered bank serving small and medium-sized businesses, professionals, and individuals throughout Northern California and the San Francisco Bay Area. The bank generates revenue primarily through net interest income from a diversified loan portfolio emphasizing commercial real estate, commercial loans, and agricultural lending, supplemented by deposit service fees and investment yields. Funding comes substantially from customer deposits, and the bank maintains deposit relationships and liquidity through correspondent banking lines while offering standard banking services including checking and savings accounts, money market accounts, and online and mobile banking capabilities.