---
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"
generated_at: "2026-06-20T05:02:38.702677+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q4 net income $13.3M, EPS $0.77; loans up 44% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-23-000009
- JSON: https://secwatch.observer/filing/0001275168-23-000009.json
- Plain text: https://secwatch.observer/filing/0001275168-23-000009.txt

## Key facts
- Earnings Releases
  FIVE STAR BANCORP reported the three months ended December 31, 2022 results: net income $13.3 million, EPS $0.77 per diluted share.
  - Period: the three months ended December 31, 2022
  - Net income: $13.3 million
  - EPS: $0.77 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/0001275168-23-000009-index.htm
- Earnings Releases
  FIVE STAR BANCORP reported the year ended December 31, 2022 results: net income $44.8 million, EPS $2.61 per diluted share.
  - Period: the year ended December 31, 2022
  - Net income: $44.8 million
  - EPS: $2.61 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1275168/000127516823000009/0001275168-23-000009-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.