Five Star Bancorp (FSBC) Q4 2024 Earnings Call Transcript

2025-01-28 15:04:43 ET

Five Star Bancorp (FSBC)

Q4 2024 Earnings Conference Call

January 28, 2025, 1:00 PM ET

Company Participants

James Beckwith - President and Chief Executive Officer

Heather Luck - Senior Vice President and Chief Financial Officer

Conference Call Participants

William Jones - KBW

David Feaster - Raymond James

Andrew Terrell - Stephens

Presentation

Operator

Welcome to Five Star Bancorp Fourth Quarter and Year End Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webcast. After today's presentation, there will be an opportunity for those provided with a dial in number to ask questions. [Operator Instructions]

Before we get started, we would like to remind you that today's meeting will include some forward-looking statements within the meaning of applicable securities laws. These forward-looking statements relate to, among other things, current plans, expectations, events and industry trends that may affect the company's future operating results and financial position.

Such statements involve risks and uncertainties and future activities and results may differ materially from these expectations. For a more complete discussion of the risks and uncertainties that may cause actual results to differ materially from the company's forward-looking statements, please see the company's annual report on Form 10-K for the year ended December 31st, 2023, and quarterly reports on Form 10-Q for the three months ended March 31st, 2024 and June 30th, 2024 and September 30th, 2024 and in particular, the information set forth in Item 1A, Risk Factors in those reports....

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