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1、 2023 Annual Report |nasdaq:fsbc The relationship between TMC Financing and Five Star Bank exemplifes the“importance of collaboration and trust.Their dedication to small business growth aligns with our company mission and that is invaluable in a banking partner.Ba r ba r a m o r r i s o n President&
2、CEO,TMC Financing 2023Dear Clients and Shareholders:We are pleased to present Five Star Bancorps 2023 Annual Report!While the banking industry was impacted by signifcant market disruption in 2023,Five Star Bancorp turned a time of uncertainty into opportunity.We responded by executing on our organic
3、 growth strategy and expanding into the San Francisco Bay Area to serve clients who needed a banking relationship they could trust.We also enhanced our service to the Capital Region and North State where we have been a client champion and community advocate for nearly 25 years.No other bank has our
4、engaged team,our speed to serve or our certainty of execution.No other bank has our commitment to treating clients with an empathetic spirit,understanding and care.We are proud to have earned the trust of those we serve.In addition to championing our clients and advocating for our communities,we wer
5、e a trusted resource and voice for community banking.In 2023,many turned to us for guidance and leadership as we stewarded the community banking industrys pivotal role in the economic health and prosperity of those who need us most.While we are proud to have experienced another year of growth built
6、upon a sturdy foundation of client service,expanded relationships and products,and the loyalty of exceptional clients,we will always remember we exist because our clients trust us and we believe in them.We are humbled to have been of service and it is a privilege to share Five Star Bancorps 2023 Ann