{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-23-000009","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2023-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.191910+00:00","generated_at":"2026-06-20T05:02:38.702677+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Five Star Bancorp Q4 net income $13.3M, EPS $0.77; loans up 44% YoY","bullets":["Q4 net income $13.3M (diluted EPS $0.77) vs $11.3M ($0.66) a year ago; FY net income $44.8M.","Loans held for investment grew 44.29% YoY to $2.79B; nonperforming loans ratio improved to 0.01%.","Net interest margin 3.83% (Q4) and 3.75% (FY); ROAA 1.70%, ROAE 21.50%.","Board declared $0.15/share dividend; redeemed $28.8M subordinated notes in Dec 2022.","Provision for loan losses $1.25M in Q4, $6.7M for full year; allowance $28.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-23-000009","json":"https://secwatch.observer/filing/0001275168-23-000009.json","markdown":"https://secwatch.observer/filing/0001275168-23-000009.md","text":"https://secwatch.observer/filing/0001275168-23-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/0001275168-23-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/fsbc-20230130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T05:02:38.702677+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"238e0eaa63f96fd6e18ee89950d6d9a4c2a7d199","claim":"FIVE STAR BANCORP reported the three months ended December 31, 2022 results: net income $13.3 million, EPS $0.77 per diluted share.","evidence_excerpt":"Five Star Bancorp (Nasdaq: FSBC) (the “Company” or “Five Star”), the holding company for Five Star Bank, today reported net income of $13.3 million for the three months ended December 31, 2022, as compared to $11.7 million for the three months ended September 30, 2022 and $11.3 million for the three months ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/0001275168-23-000009-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$13.3 million"},{"label":"EPS","value":"$0.77 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9079a4f61b98efcb0af7f17a11b6a56aaff1588a","claim":"FIVE STAR BANCORP reported the year ended December 31, 2022 results: net income $44.8 million, EPS $2.61 per diluted share.","evidence_excerpt":"Net income for the year ended December 31, 2022 was $44.8 million, as compared to $42.4 million for the year ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/0001275168-23-000009-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$44.8 million"},{"label":"EPS","value":"$2.61 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}