Q3 2021 Five Star Bancorp Earnings Call

October 26, 2021

Hello, and welcome to the Five Star Bancorp, third-quarter earnings webcast. Please note this is a closed conference call and you are encouraged to listen via the 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 the dial-in number to ask questions. To ask a question you may press star then one on your telephone keypad. To withdraw your question. Please press star then two.

Before we get started let me 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 plans, expectations, events.

<unk> 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.

Among other risks the ongoing COVID-19, pandemic may significantly affect the banking industry and the company's business prospects. The ultimate impact on the company's business and financial results will depend on future developments, which are highly uncertain and cannot be predicted including the scope and duration of the pandemic.

And duration of the pandemic.

Its impact on the economy, the company's customers and its business partners, the effectiveness and distribution of COVID-19, vaccines, particularly as new variants emerge. And actions taken by government authorities in response to the pandemic.

And actions taken by government authorities in response to the pandemic.

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 quarterly report on Form 10-Q for the quarter ended June 30th 2021, and in particular, the information set forth in Item 1A. Risk factors that are in.

Risk factors that are in please.

Please refer to slide two of the presentation, which includes disclaimers regarding forward-looking statements, industry data and non-GAAP financial information included in this presentation as well as reconciliations to non-GAAP financial measures to their most directly comparable GAAP figures. This conference call is being recorded. I would now like to turn the presentation over to James Beckwith, Five Star Bancorp, President and CEO. Please go ahead.

This conference call is being recorded.

I would now like to turn the presentation over to James Beckwith.

Five Star Bancorp, President and CEO. Please go ahead.

Thank you for joining us today to review Five Star Bancorp's financial results for the third quarter of 2021. Joining me today is Heather Luck, senior Vice President and Chief Financial Officer. Our comments today will refer to the financial information that was included in the earnings announcement released yesterday.

Joining me today is Heather law, senior Vice President and Chief Financial Officer.

Our comments today will refer to the financial information that was included in the earnings announcement released yesterday.

To obtain a copy of the release please visit our website at www.fivestarbank.com and click on the Investor Relations tab. In the company overview section, we have provided a brief overview of our geographic footprint.

And the company overview section, we have provided a brief overview of our geographic footprint.

Our executive management team. As well as our consistent organic growth over the last 10 years. The third quarter of 2021 exhibited continued execution of our organic growth strategy following our IPO in May as evidenced by our earnings, expense management and increases in headcount during the quarter.

As well as our consistent organic growth over the last 10 years.

The third quarter of 2021 exhibited continued.

Execution of our organic growth strategy following our IPO in may as evidenced by our earnings expense management and increases in head count during the quarter.

Additionally, loans, deposits and total assets have consistently grown since the previous quarter. Within the loan portfolio non PPP loans grew during the quarter by $181.6 million or 12.4%.

Within the loan portfolio non P. P. P loans grew during.

the quarter by $181.6 million or 12.4%.

Which was primarily within the manufactured home community in multifamily concentrations of the loan portfolio. Approximately 59 million of PPP loans were forgiven during the quarter. And $1.8 million a PPP fees were recognized during the three months ended September 30th 2021.

Approximately 59 million of PPP loans are forgiven during the quarter.

And $1 8 million a P. P. P fees were recognized during the three months ended September 30th 2021.

Leaving 61 5 million of PPP loans outstanding and 1.7 million of deferred fees to be recognized.

We anticipate the full balance of the PPP loans to be forgiven by the end of Q1 2022.

Yeah.

Our pipeline continues to remain strong at September 30th within the verticals, we have historically operated in. As presented in the loan portfolio diversification slide. Loan originations excluding PPP during Q3 were approximately $280 million. Which was 55% higher than the last quarter and pay offs, excluding PPP loans were $101 million, which was 33% higher than the last quarter.

As presented in the loan portfolio diversification slide. Loan originations excluding PPP during Q3 were approximately $280 million.

Okay.

Loan originations excluding P. P. P. During Q3 were approximately $280 million.

Which was 55% higher than the last quarter and pay offs, excluding PPP loans were $101 million, which was 33% higher than the last quarter.

Asset quality continues to remain strong with nonperforming loans, representing only 0.03% of the portfolio, consistent with the last several quarters.

Consistent with the last several quarters.

On September 30th 2021 there were 8 loans totalling $12 2 million in the aggregate on a COVID-19 deferment.

We anticipate all borrowers to return to their pre-COVID-19 contractual payment status after their COVID-19 deferment ends. At September 30th 2021 the allowance for loan losses totalled 21.8 million.

After their COVID-19 deferment ends.

At September 30th 2021 the allowance for loan losses totaled totaled 21 8 million.

We did not record a provision for loan loss during the quarter and the ratio of the allowance for loan losses to total loans, excluding PPP loans. A non-GAAP measurement. That as reconciled in our press release was 1.33% at September 30th 2021.

A non-GAAP measurement.

That as reconciled in our press release was 1.33% at September 30th 2021.

Given our anticipated growth rate in the fourth quarter loan growth rate in the fourth quarter, we expect to record a provision for loan losses. Loans designated as substandard totalled $36.8 million at September 30th 2021, representing a slight increase from the previous quarter.

Loans designated as sub standard totaled $36 8 million at September 32021, representing a slight increase from the previous quarter.

This did not have an impact to the allowance overall and there were no loans designated as doubtful at the end of the third quarter. Deposits grew during the quarter by $102.1 million or 4.9% since the second quarter of 2021. Of which $66 million of the growth-related to non-interest bearing deposits. Noninterest-bearing deposits as a percent of total pauses. At September 30th 2021 increased slightly to 41% as compared to 40% in the prior quarter.

Deposits grew during the quarter by $102 1 million or four 9% since the second quarter of 2021.

Of which $66 million of the growth related to non interest bearing deposits.

Noninterest bearing deposits as a percent of total pauses.

At September 30th 2021 increased slightly to 41% as compared to 40%.

Prior quarter.

We have had strong deposit growth over the last several quarters from the previous years and through the current quarter. Total cost of funds included including our subordinated debt was 17 basis points during the quarter.

And through the current quarter total cost of funds included including our subordinated debt was 17 basis points during the quarter.

Finally, we continue to be well-capitalized with all capital ratios well above regulatory thresholds for the quarter.

Now that we have discussed the balance sheet, I will hand, it over to Heather to discuss the results of operations. Heather.

Thank you, James, and hello, everyone. Net income for the quarter with 11 million return on average assets was 1.85% and return on average equity was 19.26%. The average loan yield for Q3, 2021 was 4.90% and average loan yield excluding PPP alone.

Net income for the quarter with 11 million return on average assets was 185% and return on average equity was $19 two 6%.

Average loan yield for Q3, 2021 was $4 nine zero percent and average loan yield excluding PPP alone.

Non-GAAP measure that is reconciled in our presentation with 4.66%, representing a decline of 10 basis points over the prior quarter.

The current low rate environment has continued to put pressure on loan yields, which we have been able to partially offset by our declining cost of funds, which was 17 basis points for Q3 compared to 20 basis points for Q2. As a result of these factors, our net interest margin was 3.60% for the quarter, which included $1.8 million of PPP fees recognized based on forgiven loans.

As a result of these factors our net interest margin was three zero percent.

<unk>, which included $1 8 million a P. P. P fees recognized based on forgiven loans.

Non-interest income increased to $2.0 million in the third quarter from $1.8 million in the previous quarter, primarily as a result of increased gains on the sale of available for sale Securities.

Non-interest expense declined to $8.6 million in the third quarter from $9.6 million in the previous quarter. As the second quarter's noninterest expense included 0.7 million in expenses related to organizational matters, leading up to the company's IPO and 0.8 million in stock compensation expense for nonrecurring IPO related stock grants to certain members of the company's board of directors.

And stock compensation expense for nonrecurring IPO related stock grants to certain members of the company's board of directors.

Neither of which recurred in the third quarter. Now that we discussed the overall results of operations, I will now hand it back to Jamie to provide some closing remarks.

<unk> in the third quarter.

Although we discussed the overall results of operations I will now hand, it back to Jamie to provide some closing remarks.

Thank you, Heather, as we have discussed today the bank continues to produce consistent earnings. Maintain strong capital levels, solid credit quality and excellent liquidity. We are proud to continue our mission to become the top business bank in all markets we serve. There have been some noteworthy acquisitions in the capital region in 2021.

Maintained strong capital levels solid credit quality and excellent liquidity.

We are proud to continue our mission to become the top business bank in all markets we serve.

There have been some noteworthy acquisitions in the capital region in 2021.

That we have benefited from on both the customer and talent acquisition basis. We are an attractive place for experienced bankers to work and bring energy enthusiasm.

We earn attractive place for experienced bankers to work and bring energy enthusiasm.

Since the beginning of the year, we've added business development officers and supporting operational and lending staff. Additionally, we've added three new members to the board of directors. Our pipeline is robust. And we look forward to continuing our organic growth story in the capital region in the Northern California market.

And we look forward to continuing our work.

organic growth story in the capital region in the Northern California market.

We appreciate your time today. This concludes today's presentation. Now Heather and I will be happy to take any questions that you might have.

Now Heather and I will be happy to take any questions that you might have.

We will now begin the question and answer session. To ask a question, those dialled in may press star then one on your telephone keypad. If you are using a speakerphone, please pick up your handset before pressing the keys. To withdraw your question, please press star then two. Once again, it is star then one to ask a question. Questions will be taken in the order received. The first question comes from Andrew [Turel] with Stephens. Please go ahead.

I'll ask a question those dialed in May Press Star then one on your telephone keypad.

If you are using a speakerphone please pick up your handset before pressing the keys.

To withdraw your question. Please press Star then two.

Once again it is star then one to ask a question.

<unk> will be taken in the order received.

The first question comes from Andrew <unk> with Stephens. Please go ahead.

Hey, good morning, James. Good morning, Heather. Good morning. Hey, so excellent quarter from a loan growth perspective, James I just wanted to go back to some of your comments in the prepared remarks about the fourth-quarter growth.

Good morning, Hey, so excellent quarter from a from a loan growth perspective, James I just wanted to go back to some of your comments in the prepared remarks about the fourth quarter growth.

Do you think you can replicate a similar quarter in 4Q in terms of new loan originations? And then just tack on to that could you size up where the loan pipeline is at today relative to prior quarters?

Relative to prior quarters.

Sure. The pipeline has been pretty consistent in terms of what we're facing in terms of potential funding. So our pipeline, our initial advanced pipeline, which is the metric that I look at it all the time it's about $330 million right now as we speak. Now we're not going to get 100% fundings at all that would be probably not going to happen, but we're looking for maybe 80% to 90% of that.

The pipeline has been pretty consistent in terms of.

What we're facing in.

Terms of potential funding so.

Our pipeline our initial advanced pipeline, which is the metric that I look at it all the time is it's.

It's about a three.

$330 million right now as we speak now we're not going to get 100% fundings at all that would be.

probably not going to happen, but we're looking for maybe 80% to 90% of that.

So we expect to be able to deliver similar growth in terms of dollars in the fourth quarter. In terms of the loan portfolio. So I think we're feeling pretty good about Q4 as it relates to loan growth. We still have a lot of liquidity. That would provide the funding for these originations. So we're excited about moving into the fourth quarter from a loan growth perspective.

Growth in terms of.

Dollars in the fourth quarter.

In terms of the loan portfolio.

So I think we're feeling pretty good about Q4 as it relates to loan growth.

We still have a lot of liquidity.

That would provide the funding for these for these originations.

So we're excited about moving into the fourth quarter from a loan growth perspective.

Great I appreciate it. Is the biggest driver just kind of the step-up in production that we saw this quarter? Is it really just new talent, that's been added to the bank? And then kind of longer-term do you think this level of production is kind of sustainable?

Is the biggest driver just kind of the step up in production that we saw this.

This quarter is it really just new talent, that's been added to the bank.

And then kind of longer term do you think this level of production is kind of sustainable.

Yeah, I think it's two things certainly the new talent that we brought on. They are moving the needle. We brought on five new Biz Dev people from the beginning of the year, Andrew one of them didn't work out but the four that did are doing pretty well. So we're excited about that. You can't always bad 1000.

They are moving the needle we brought on five new Biz Dev people from the beginning of the year, Andrew one of them didn't work out but the four that did are doing pretty well. So we're excited about that you can't always bad 1000.

But also the verticals in which we're in and the professionals that fundamentally serves as the front end the biz Dev side of those verticals that are doing extremely well. Our mobile home community opportunity is very robust.

Our faith-based opportunity is very robust, we're excited about that. I will comment a little bit about SBA you didn't ask this Andrew, but I think it's important to note that we sense the premiums in that market are declining.

I will comment a little bit about SBA you didn't ask this Andrew but I think it's important to note that we sense the premiums in that market are declining.

And so it's a question of how much, by how much. So we think that that's going to have some impact. With respect to our gain on sale numbers. But we're building out that function trying to attract business development people that are solely dedicated to SBA originations. Not a lot of visibility on it right now Andrew. So nothing really to report other than a positive intention on our behalf.

So we think that that's going to have some impact.

With respect to our gain on sale numbers.

But we're building out that function.

Trying to attract business development people that are solely dedicated to SBA originations.

Not a lot of visibility on it right now Andrew So nothing really to report other than a positive intention.

On our behalf.

But I think what we have in place in terms of business development folks and lenders and what we've added in 2021. I think they are all hitting their stride right now.

Right. Okay. Helpful color. I appreciate it. Five Star is probably one of the few banks that was able to actually leverage the loan to deposit ratio a bit this quarter.

Helpful color I appreciate it.

Hum.

Five star is probably one of the few banks that was able to actually leverage the the loan to deposit ratio a bit this quarter.

Can you just remind us where you're generally comfortable with managing the loan to deposit ratio? And kind of taking some of your comments around growth into consideration. How quickly you think you might be able to get there?

Sure. I think that we like operating between 90 and 95, Andrew. Provided that we've got a significant amount of backup liquidity that we can tap into. As we sit here today, we do, that's off-balance-sheet liquidity. We don't fund our loan portfolio with Internet CDs or our broker deposits, it's all four so.

I think that.

We like operating between 90 and 95 Andrew.

Provided that we've got a significant amount of backup liquidity that we can tap into.

As we sit here today, we do that's off balance sheet liquidity.

We don't fund our loan portfolio with Internet Cds or our broker deposits all its all four so.

We want to make sure that we maintain strong backup liquidity and try to push up our loan to deposit ratio to those particular levels. So I think if we can do that, the result and the impact on net interest income in the bottomline are going to be I think attractive to our investors and to our shareholders.

The result, and the impact on net interest income in the Bottomline are going to be.

I think attractive to our investors and to our shareholders.

Okay. Maybe just one more for me. As we start thinking about potential kind of rate hikes. Maybe later next year into 2023, can you just remind us what your leverage is to 25, 50 to 75 basis point increase in short term rates?

Maybe just one more for me.

As we start thinking about potential kind of rate hikes.

Maybe later next year into 2023 can you just remind us what your leverages to $25 50 to 75 basis point increase in short term rates.

Sure. Heather, do you have some information on that? Whenever we look at our stress testing and our yield curve shocked. Typically in a rates up 100 basis points for about 2% to 3%, now that also includes about $500 million of cash that's sitting at the fed, earning 10 basis points right now. So as we continue to find loans that will improve our shock scenario.

Heather do you have some.

No no you know whenever we look at our at our stress testing and our yield curve shocked.

Typically in a rates up 100 basis points for about three 2% to 3% now that also includes about $500 million of cash that's sitting at the fed, earning 10 basis points right now so as we continue to find loans that will improve.

Our our shock scenario.

I think that it's really going to be a function of what rates do we bring on new production at, Andrew.

That's a function of what rates do we bring on new production at Andrew.

And also to the extent that we can continue to grow our noninterest bearing deposit base, which I think we're pretty excited about our opportunities there. So I think we're positioned to perform better in a rising rate environment as we sit here today.

So I think we're positioned to perform better.

In a rising rate environment as we sit here today.

And so we'll just have to see how things unfold with respect to that.

With respect to them.

Okay. Maybe if I can just slide one more add on kind of the current cash position. But is it fair to think what's kind of the growth outlook currently that excess liquidity has kind of worked into the loan portfolio over time, rather than used to kind of build securities portfolio? Can you just remind us where you're comfortable running the cash position at?

Maybe if I can just slide one more add on kind of the current cash position.

But is it fair to think what's kind of the growth outlook.

Currently that.

Excess liquidity has kind of worked into the loan portfolio over time, rather than used to kind of build securities portfolio.

Can you just remind us where you're comfortable running the cash position.

Yes, I think that we're fairly active with respect to the investment portfolio. I think that it's a place that if you looked at us right now investment portfolio divided by total assets you can see that we're probably. A third or close maybe pushing a half to what our peers, their investment portfolios are.

We're.

We're fairly active with respect to the investment portfolio.

I think that it's a.

It's a place that.

If you looked at US right now investment portfolio divided by total assets you can see that we're probably.

A third or close maybe pushing a half to what.

Our peers.

Their investment portfolios are.

We'd rather place our liquidity into the loan portfolio. So we're not looking to be very aggressive at all in terms of making those investment securities purchases. We think that we're going to be better off making loans from our net margin perspective given.

We think that we're going to be better off making loans from our net margin perspective given.

We're going to be better off making loans from our net margin perspective given.

I think our credit metrics and the types of deals that we look at which we think are very safe and secure, so yeah, I'm not, in terms of prospects for growth in this of the securities portfolio, Heather I don't think that's not where we're leaning to at all.

In terms of prospects for growth in this of the securities portfolio, Heather I don't think that.

That's not where we're leaning to at all.

Yes.

Okay, perfect. Great quarter, and thanks for taking my questions.

Great quarter, and thanks for taking my questions.

Thank you, Andrew.

Again, if you have a question. Please press star then one. Just a final reminder, if you have a question. Please press star then one. We do have a question from Gary Tenner. Please go ahead with your question.

Please press Star then one.

Just a final reminder, if you have a question. Please press Star then one.

We do have a.

Excuse me, we do have a question.

From Gary Tenner.

Please go ahead with your question.

Good morning. Several of my questions were answered, but just to clarify a couple of items in terms of the tax rate from this quarter. In the second and fourth quarter before then normalizes in 2022 does that [inaudible]?

Several of my questions were answered, but just to clarify a couple of items in terms of the tax rate.

The tax rate from this quarter.

In the second and fourth quarter before then normalizes in 2022 does that.

Subsequently FERC.

Yes. So we are applying, it's a blended rate between the number of days outstanding for Eschar Penske Corp for the year. So we will be using our 27.7% blended rate, applied our taxable income estimate for the year. The tax tax provision has been noisy this year, just given all the activity, but that that would be the right one yet.

So we will be using our 27, 7% blended rate.

<unk> applied our taxable income estimate for the year.

Yeah. The tax tax provision has been noisy this year, just given all the activity, but that that would be the right one yet.

And then actually hopped on a minute or two late, so I apologize if you went through this. In terms of deposit costs. Any remaining room there I know that last quarter. It seemed like you are getting close in terms of the bottom on interest-bearing deposit costs. But your money market and time accounts to move down a little bit more this quarter. So are we pretty much there in terms of interest-bearing cost at this point?

And then actually hopped on a minute or two late so I apologize if you went through this.

In terms of deposit costs.

Any any remaining room, there I know that last quarter. It seemed like you are getting close.

In terms of the bottom on interest bearing deposit costs you.

Your money market and time accounts to move down a little bit more this quarter. So are we pretty much there in terms of in terms of interest bearing cost at this point.

Yes, and just looking at our just deposit cost were 9 basis points, and we think that that's probably gonna be tough to move downward. So we think that we're probably done with this run in terms of our funding costs as it relates to our deposit base. So 9 basis points is probably what it's been.

Posit cost for it.

Nine basis points, and we think that Thats probably.

Got it.

That's going to be tough to move downward. So we think that we're probably done with this run in terms of our funding costs as it relates to our deposit base. So nine basis points is probably what it's been.

Okay, and then on the loan sid with the 10 basis point decline in the core loan yield. What was the yield on new production this quarter? Whether you get that. So the yield on new production the weighted average rate was about 4.32%.

10 basis point decline in the core loan yield.

What was the yield.

On new production this quarter.

Whether you get that.

So the yield on new production the weighted average rate was about 432%.

And then obviously our largest category within our multifamily which continues to [inaudible] multifamily lending and that was 4.01%.

Obviously our largest.

Category within our multifamily which continues to help manage that decline.

Yes.

Multifamily lending and that was four 1% weighted.

I'm sorry for <unk>.

Zero one.

400 <unk>.

Okay. That's all I had thank you.

Thank you. Thank you.

And we have a follow-up from Andrew Carrol with Stephens. Please go ahead.

Hey. Thanks for taking the follow-up. I wanted to ask, I think there are about $12 million of loans that are still in deferral. Or are these concentrated with any one specific industry or the interest-only or full deferrals and then any kind of timeline to resolution here or any color on just the remaining deferrals would be helpful.

I wanted to ask I think there are about $12 million of loans that are still in deferral.

Or are these concentrated with any one specific industry or the interest only or full deferrals and then.

Any kind of timeline to resolution here or any color on just the remaining deferrals would be helpful.

Sure. So they are all currently on an interest-only deferral. They hit really two categories. The largest one is in like our CRE special purpose. It's a theatre that is on deferral right now. I believe that they are working on getting a grant. Yes, they've already received a grant this is a performing arts, Andrew, a performing arts building in Midtown Sacramento. The organization has been around for pushing 30 years. It's great sponsorship. They're just coming back online right now in terms of having events and having performances so that's creating some momentum.

They they hit really two categories. The largest one is in like our CRE special purpose. It's a theater that is on deferral right now I believe that they are working on getting a grant yes, they've already received a grant this is a performing arts.

Andrew a performing arts.

<unk>.

Yes.

Building in Midtown Sacramento.

The organization has been around for pushing 30 years.

It's great sponsorship.

Theyre just coming back online right now in terms of.

Having events and having performances so.

That's that's creating some momentum.

But. We think that they're going to be fine from a financial perspective, and when they come off deferral they'll go to full payment once again. But that makes up almost all of it. That one relationship. The remainder of the loans in our balance are SBA.

We think that.

We think that Theyre.

We're going to be fine.

From a financial perspective, and when they come off deferral they'll go to full full payment once again.

But that makes up.

Almost all of.

That one relationship that remained the remainder of the loans in our balance our SBA.

Okay, got it, thank you. On SBA do you have how much an SBA loan sales this quarter? I might have missed it on the release. In terms of gain.

On SBA do you have how much an SBA loan sales this quarter.

I might have missed it on the release.

In terms of gain.

I've got the gain on sale number but just the dollar of SBA loans that were sold. That will be, we will have that in the cash flow.

Oh.

That will be we will have that in the cash flow.

Thank you, okay.

If I could probably tell you it's around $15 million. $16 million.

$15 million.

$16 million.

Okay. Perfect, well I'll look forward in the queue as well. Thanks for taking the follow-up. Sure.

Perfect well I'll look forward in the Q as well.

Thanks for taking the follow up.

Sure.

This concludes our question and answers session. I would like to turn the conference back over to management for any closing remarks.

<unk> our question and answer session I would like to turn the conference back over to management for any closing remarks.

Great. Thank you I wanted to thank everybody for joining us this quarter, today's presentation demonstrated that Five Star Bancorp is continuing on a path of robust organic growth.

We are attracting and retaining talent, while preserving our culture driven by speed to serve and certainty of execution. Importantly, our customers trust us and they have direct access to us all at all times. This is a key differentiator in our market and a driver of customer acquisition as evidenced by the strength of our growing pipeline. Purpose and integrity-driven banking are foundational to who we are, we will continue to build meaningful relationships as we serve our shareholders, customers, employees and community.

Certainly our customers Trust us and they have direct access to us all at all times. This is a key differentiator in our market and a driver of customer acquisition as evidenced by the strength of our growing pipeline.

Purpose and integrity driven banking are.

Foundational to who we are we will continue to build meaningful relationships as we serve our shareholders customers employees and community.

Please contact me or Heather if you have any questions. We look forward to speaking with you again in January to discuss earnings for the 3 and 12 months period ended December 31, 2021. Have a great day and thank you for listening.

Earnings for the three and 12 months period ended December 31, 2021 have a great day and thank you for listening.

The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.

[music].

Yes.

Q3 2021 Five Star Bancorp Earnings Call

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