Ramos Kevin Francis 4

What Happened
Kevin Francis Ramos, a director of Five Star Bancorp (FSBC), acquired 5,682 shares in an open-market or private purchase on July 22, 2026, at $44.00 per share for a total of $250,008. This was a straight purchase (transaction code P), not a sale, exercise, gift, or tax-withholding event.

Key Details

• Transaction date and price: 2026-07-22 — 5,682 shares @ $44.00, total ≈ $250,008.
• Transaction type: P = Purchase (open market/private purchase).
• Filing date: Form filed 2026-07-24 (filed within two business days of the transaction — appears timely).
• Shares owned after transaction: Not specified in the provided filing.
• Footnotes of note:
  • F1: Includes 974 unvested shares granted under the Five Star Bancorp 2021 Equity Incentive Plan that vest on Dec 31, 2026 if Mr. Ramos remains a director.
  • F2: Some shares are held by the Kevin and Kathleen Ramos Living Trust (Mr. Ramos is a trustee).
  • F3: Some shares are held by Buzz Oates Group of Companies; Mr. Ramos is a shareholder and CIO and may be deemed an indirect beneficial owner but disclaims beneficial ownership except to the extent of his pecuniary interest.

Context
Purchases by insiders are often viewed as more informative than sales because they represent direct ownership accumulation; this filing reports a direct buy with no simultaneous sale or option exercise. The disclosure appears timely under Form 4 rules.