Five Star Bancorp FSBC

Mr. Beckwith, age 68, has been a director and served as our President and Chief Executive Officer since 2003. Mr. Beckwith joined the Company in 2003. He is deeply connected to the Sacramento community and has chaired several community-based organizations including the Sacramento Metro Chamber of Commerce, Valley Vision, and KVIE (the local PBS affiliate). Mr. Beckwith is a past Chair of California Bankers Association. He is a Private Sector Director with Greater Sacramento Economic Council and a member of the Sacramento State University College of Business Advisory Council. In 2024, Mr. Beckwith was elected to the board of directors of the California Chamber of Commerce. Mr. Beckwith previously served as Chief Financial Officer and Chief Operating Officer at National Bank of the Redwoods in Santa Rosa, California. He graduated from San Francisco State University with a Bachelor of Science in Business Administration with a concentration in Accounting. He is also a graduate of Pacific Coast Banking School at the University of Washington where he was class president. In 2020, Mr. Beckwith was recognized by the Sacramento Metro Chamber of Commerce as the Businessman of the Year and was named among the Most Admired CEOs of 2020 by the Sacramento Business Journal. He was also recognized with a Vistage Leadership Award in 2021 and was the 2022 UCP Humanitarian of the Year. In 2024 and 2025, Mr. Beckwith was listed on the Sacramento Business Journal's Power 100 List. In 2025, Mr. Beckwith was recognized as the Sacramentan of the Year by the Sacramento Metropolitan Chamber of Commerce.

Mr. Kurtze has served as Five Star Bank's Executive Vice President and San Francisco Bay Area President since January 2025 and previously served as Senior Vice President and San Francisco Bay Area President from June 2023 to January 2025. He leads the Bank's strategic growth, market expansion, and regional leadership initiatives. He brings nearly two decades of commercial banking and lending experience with a proven record of building and leading top-performing business development and relationship management teams. Prior to joining Five Star Bank, Mr. Kurtze served from June 2019 to June 2023 as Senior Vice President and Group Director at Signature Bank, later acquired by Flagstar Bank. Earlier in his career, he held leadership roles at Wells Fargo Bank as Senior Vice President, where he oversaw multiple teams and managed a substantial credit and deposit portfolio serving San Francisco Bay Area commercial clients. He also served as National Director of Sales at Liberty SBF, where he led national commercial real estate and SBA 504 loan production. Mr. Kurtze maintains a deep and established network across the Bay Area's business and entrepreneurial community. He currently serves as Chair of the board of directors for TMC Financing, one of the nation's largest SBA Certified Development Companies, and sits on the board of Hamilton Families, a non-

Mr. Rizzo serves as Executive Vice President and Chief Banking Officer, a position he has held since January 2025. He previously served as Senior Vice President and Chief Banking Officer from January 2017 to January 2025. Since joining the Bank in 2005 as Senior Vice President and Business Development Officer, he has played a key role in building the Bank's business banking platform and expanding its presence throughout the Sacramento region, including leading the opening of the Bank's de novo Rancho Cordova office in 2006. Mr. Rizzo oversees the Bank's commercial business development and treasury solutions teams, leading a large group of bankers focused on serving entrepreneurs, businesses, commercial real estate, government, and agriculture. With more than three decades of banking experience, Mr. Rizzo has deep expertise in commercial lending, treasury solutions, operations, compliance, financial management, and business development. Mr. Rizzo earned a Bachelor of Science in Business Administration with a concentration in Finance from California State University, Sacramento, and is a graduate of the Pacific Coast Banking School at the University of Washington. In 2022, he was recognized as a Sacramento Business Journal C-Suite Awards honoree and remains active in the community through service on numerous non-profit boards.

Mr. Perry-Smith, age 78, has been a director since 2020. Mr. Perry-Smith serves as Board Chairperson, a position he has held since 2023. Mr. Perry-Smith previously served as Vice Chairperson of the board of directors from 2022 through 2023. Mr. Perry-Smith founded, and served as Chief Executive Officer of, Perry-Smith LLP, an accounting and consulting firm that provided professional services to the banking industry, primarily in California. Upon his retirement in 2013, Mr. Perry-Smith concluded his 40-year career as a Certified Public Accountant at both the national and regional levels where he provided a number of professional services to the banking industry, specializing in audits, regulatory compliance, capital structures, and merger and acquisition services. Mr. Perry-Smith has been a frequent speaker at banking industry conferences and trade association meetings, including the California Bankers Association. He is a member of the American Institute of Certified Public Accountants (retired) and the California Society of CPAs. Mr. Perry-Smith has served on the boards of directors of Presidio Bank, Sierra Vista Bank (as Chair), and the Perry-Smith Foundation. Mr. Perry-Smith is the Chairperson of the Audit Committee and a member of the Compensation and Governance and Nominating Committees.

Mr. Ramos, age 61, has been a director since 2019. Mr. Ramos is the Chief Investment Officer of Buzz Oates Commercial Real Estate, a position he has held since 1995, and Investment Committee Chairman of Pac West Industrial Equities, LP, a position he has held since 2017. He has 35 years of experience in the commercial real estate industry with specific experience in finance, entitlement, development, leasing, property management, investment, and asset management. He is a member of the national commercial real estate associations NAIOP, Urban Land Institute, and Lambda Alpha. Mr. Ramos is a member of the Compensation Committee.

Mr. Allbaugh, age 62, has been a director since 1999. Mr. Allbaugh has served as an executive of Buzz Oates Commercial Real Estate since 1990, serving as Chief Executive Officer since 2009. He is a managing member of Pac West Equities, LP, the primary real estate investment entity of the organization, and co-trustee of the Marvin L. Oates Trust. Mr. Allbaugh serves on the board of directors of Teichert Inc. and serves as Chair of its Audit Committee. Mr. Allbaugh serves on the board of directors of Pacific Coast Building Products, Inc. He also serves on the board of directors of the Greater Sacramento Economic Council and is a member of its Executive Committee, and the Marvin Buzz Oates Charitable Foundation as a founding director. He is active in multiple charitable and faith-based activities locally and internationally. Mr. Allbaugh is the Chairperson of the Governance and Nominating Committee.

Mr. Reynoso, age 68, has been a director since 2021. Mr. Reynoso serves as Vice Chairperson of the board of directors, a position he has held since 2023, and was instrumental in the entry of Five Star Bank into the San Francisco market. Mr. Reynoso has 40 years of banking experience, including serving as Executive Vice President of Wells Fargo Bank from 2007 until his retirement in 2020, leading the bank's Business Banking for the San Francisco Bay Area, investor real estate for the nation, as well as serving as Middle Market Banking Leader for Northern California. Prior to this, Mr. Reynoso served as President and Chief Operating Officer, and on the boards of directors, of both Placer Sierra Bancshares and Placer Sierra Bank. Additionally, Mr. Reynoso was instrumental in taking Placer Sierra Bank public in 2004 as well as facilitating the sale of the bank to Wells Fargo Bank in June 2007. A native of Sacramento, Mr. Reynoso has held leadership roles with numerous Northern California philanthropic organizations, including the San Francisco Opera Association, the San Francisco Travel Association, and the Zuckerberg San Francisco General Hospital. Past service includes leadership roles with the Sacramento Hispanic Chamber of Commerce, the Stanford Home for Children, the Mondavi Center for the Performing Arts, KVIE (the local PBS affiliate), the Nonprofit Resource Center, and Naturebridge. Mr. Reynoso is a member of the Audit Committee.

Mr. Nickum, age 61, has been a director since 2010. Since 2010, Mr. Nickum has served as Owner and President of Waveco, Inc., d.b.a. Valley Farm Transport, Inc., one of the largest agricultural trucking companies in the United States, after being employed there in various capacities since 1988. Mr. Nickum is a past chairperson of Make-A-Wish Foundation of Northeastern and Central California and Northern Nevada, a former board member of St. Michael's Episcopal Day School, and a past board member of Tesco Controls, Inc. Mr. Nickum is also a past member of Cal Poly College of Agriculture, Food and Environmental Sciences' Dean's Advisory Council.

Mr. Riggs, age 71, has been a director since 2019. Mr. Riggs was previously the Chief Executive Officer (retired effective April 2025) and is currently the Chairman of Teichert Inc., positions he has held since 2003 and 2010, respectively. Mr. Riggs serves on the board of directors of Teichert Inc. and previously served on the boards of directors of the following organizations: the Greater Sacramento Economic Council, the Host Committee, the Dean's Advisory Council of the Graduate School of Management at University of California, Davis, and the Juvenile Justice Chaplaincy. He is the Vice Chair of the board of directors and Chair of the Finance Committee of PRIDE Industries.

Mr. Kashiwagi, age 72, has been a director since 2021. Mr. Kashiwagi has over 40 years of professional public accounting experience. A retired Certified Public Accountant, he has advised, counseled, and represented various businesses in tax planning and compliance, business succession planning, strategic planning, and merger and acquisition consulting. From 2011 to 2017, Mr. Kashiwagi was a Tax Partner with Crowe Horwath, LLP. Prior to that, he was a Tax Partner with Perry-Smith LLP from 1988 to 2011. Mr. Kashiwagi has served on the boards of directors of the Sacramento Metropolitan Chamber of Commerce, the California Asian Pacific Chamber of Commerce, the Los Rios Colleges Foundation, and the Crocker Art Museum. He also served as Board Chair of Sutter Community Hospitals and as Board President of the Sacramento Japanese American Citizens League.

Ms. Deary-Bell, age 59, has been a director since 2020. Ms. Deary-Bell served as President and Chief Executive Officer of Nor-Cal Beverage, a position she held from 2010 to early 2024. Before overseeing the transition of Nor-Cal Beverage into one of the largest co-packers in the western United States, she held several positions in her more than 30 years of service at Nor-Cal Beverage Co. Inc. In January of 2024, Ms. Deary-Bell sold the business to Manna Beverage and Ventures. She has served as President of Deary Enterprise Inc. and NC Equipment Solutions since 2024. She currently is a director for three privately-held companies and a consultant in the beverage industry. Ms. Deary-Bell has been an active member of the Women Business Leaders of Sacramento since 2015, and she was formerly a member of the host committee, as well as a past member of Vistage (Leadership Chief Executive Organization) since 2013. Ms. Deary-Bell served on the board of directors for Nor-Cal Beverage and served on the Jesuit High School board of directors for six years. Ms. Deary-Bell is a member of the Governance and Nominating Committee.

Mr. Wait first joined the Company in 2011 and currently serves as Senior Vice President and Chief Information Officer, a position he has held since 2018. Mr. Wait has over 20 years of community banking experience and information technology fluency and has served in various roles with the Company including Operations Officer from 2011 to 2013, Vice President and Technology & Operations Manager from 2013 to 2015, and Senior Vice President and Chief Operating Officer from 2015 to 2017. He also served as Chief Information Officer at River City Bank from 2017 to 2018 where he was responsible for overseeing information technology, information security, and data analytics, before rejoining the Company in his current position in 2018. Mr. Wait graduated from the University of Wisconsin - Whitewater with a Bachelor of Business Administration in Finance. He also holds a Master of Business Administration from California State University, Sacramento.

Ms. Luck serves as Executive Vice President and Chief Financial Officer, a position she has held since January 2025. She first joined the Company in October 2018 as Vice President and Director of Finance, then served as Senior Vice President and Chief Financial Officer beginning in February 2021. Prior to this, Ms. Luck was a Manager in Assurance Services for Ernst & Young, LLP, from 2010 through 2017 where she led multiple audit engagements simultaneously, including coordination with tax, valuation, and other specialist groups required to achieve audit objectives in accordance with standards enumerated by the PCAOB and American Institute of Certified Public Accountants. Her audit experience at Ernst & Young, LLP, spanned several industries including manufacturing, real estate, technology, media and entertainment, and telecommunications. Her client portfolio included multinational SEC registrants, private issuers, and sub-orders. She then served as Senior Assistant Controller-Global Business Units and Mergers & Acquisitions at Oracle from March 2018 until September 2018 where she was responsible for overseeing the integration of general ledgers of newly acquired entities onto the Oracle Cloud Platform which included ensuring compliance with accounting policies. Ms. Luck earned a Bachelor of Science degree in Marketing from the University of Utah and earned a Master of Science degree in Accounting and Finance from the University of Maryland Global Campus. Ms. Luck is a licensed Certified Public Accountant in the state of California and graduated from Pacific Coast Banking School at the University of Washington in 2022. Ms. Luck was honored by the Sacramento Business Journal with a C-Suite Award in 2024 and a Women Who Mean Business Award in 2025.

Mr. Dalton serves as Senior Vice President and Chief Credit Officer, a position he has held since 2011. He has more than 46 years of experience in the lending and banking industry. Prior to joining the Company, Mr. Dalton started his lending career with the Farm Credit System in 1980 as a Credit Analyst, then transitioned into roles as a Loan Officer, Branch Manager, and Senior Vice President/Senior Lender. In 1991, Mr. Dalton moved to Stockmans Bank via merger as Senior Vice President/Chief Credit Officer. Through a merger in 2008, he later served as Senior Vice President/California and Southern Oregon Regional Credit Administrator at PremierWest Bank. He is a past member of the District 3 Grower Liaison Committee for Blue Diamond and currently serves as a member of the Sutter Club's Finance Committee. Mr. Dalton graduated from California Polytechnic State University, San Luis Obispo, with a Bachelor of Science degree in Animal Science.

Mr. Lee has served as Senior Vice President and Chief Regulatory Officer since 2010. He joined the Company in 2005 as Chief Financial Officer after serving over 14 years with the Federal Deposit Insurance Corporation (FDIC). He later transitioned to the position of Senior Vice President and Chief Credit Officer in 2007 and served in that position until being appointed as Senior Vice President and Chief Regulatory Officer in 2010. Mr. Lee graduated from Midwestern State University in Texas with a Bachelor of Science degree in Business Administration with a concentration in Economics and graduated with honors from the Pacific Coast Banking School at the University of Washington. Mr. Lee serves on the boards of directors of the Sacramento Asian Pacific Chamber of Commerce and the Sacramento Regional Conservation Corps.

Ms. Ramirez has served as Executive Vice President and Chief Operating Officer since January 2025. She previously served as Senior Vice President and Chief Operations Officer and Chief DE&I Officer from 2021 to 2024, Senior Vice President and Director of Operations from 2018 to 2021 and as Senior Vice President and Director of Branch Administration from 2017 to 2018. Ms. Ramirez has over 18 years of experience in senior level banking and is skilled in strategic operational process and sales management. Before joining the Company, she served as Vice President and Multi-Branch Manager at MUFG Union Bank from 2010 to 2017, where she implemented and steered sales activities, developed a team to act as trusted client advisors, and provided leadership on operational integrity and compliance awareness. Ms. Ramirez serves on the boards of directors of the Sacramento Hispanic Chamber of Commerce, the Capital Black Chamber of Commerce, United Way California Capital Region, Valley Vision, Downtown Sacramento Partnership, and the Sacramento Food Bank & Family Services. She also serves as an advisory board member of the Sacramento State University College of Business Advisory Council and Creciente, a Latinx leadership program. In addition, she serves on the board of directors of Sacramento Metropolitan Chamber Political Action Committee (Metro-PAC). Ms. Ramirez is an alumnus of Leadership Sacramento, class of 2021. She is also a senior fellow of the American Leadership Forum, class of XXVI. Ms. Ramirez graduated from the University of California, Davis, with a Bachelor of Science in Psychology and Bachelor of Arts in Spanish. She is a graduate from California State University, Sacramento, with a Master of Business Administration. She is also a graduate of California Bankers Association Executive Banking School. Ms. Ramirez has won numerous awards. In 2021, she was recognized by the Sacramento Business Journal among their 40 Under 40 and by Comstock's Magazine among their Women in Leadership. In 2022, Ms. Ramirez was recognized by the Sacramento Business Journal among their Women Who Mean Business honorees. In 2023, she was named among the inaugural class of Top 25 Latino Change Makers by the Sacramento Bee. In 2024, she was recognized among the Association of Latino Professionals for America's 50 Most Powerful Latinas and by the National Association for Women Business Owners Sacramento Valley Chapter with an Outstanding Women Leaders award. In 2025, Ms. Ramirez was among the Sacramento Business Journal's Champions for DE&I honorees, received an Exceptional Women of Color Award from the Sac Cultural Hub Media Foundation, and received the Sacramento Hispanic Chamber of Commerce's Champion Latina Estrella Award.

Ms. Wetton has served as Senior Vice President and Chief Marketing Officer since 2018, after first joining the Company in 2015 as Vice President, Community Relations and Communications. Ms. Wetton has over 25 years of corporate branding, media relations, and strategic marketing expertise. She previously served as Vice President, Corporate Communications at The Buzz Oates Group of Companies where she worked directly for Buzz Oates for over 15 years and until his passing in 2013. She has worked closely with the Company's board of directors since its inception in 1999. Ms. Wetton is responsible for strategic branding strategies and leads all marketing, communications, and branding efforts. She is also responsible for corporate partnerships and corporate giving. Ms. Wetton earned a Bachelor of Arts degree in English and a Master of Arts degree in English from California State University, Sacramento. She is a graduate of the Sacramento Metropolitan Chamber of Commerce Foundation's 2018 Leadership Sacramento class. In 2023, Ms. Wetton was recognized among the Sacramento Business Journal's C-Suite Awards honorees. She was a guest speaker at the 2024 American Banker Association's Marketing Conference. In 2025, Ms. Wetton was recognized by Sacramento State University with a Distinguished Alumni Award. Ms. Wetton serves on the boards of directors of 3Strands Global Foundation and the Sacramento Metro Chamber of Commerce. She served on the board of trustees of the Leukemia & Lymphoma Society from 2017 to 2020.