{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-23-000114","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.408300+00:00","generated_at":"2026-06-13T02:52:19.303637+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Five Star Bancorp Q2 net income $12.7M ($0.74 EPS), down 3.3% QoQ, NIM compresses to 3.45%","bullets":["Net income $12.7M, down 3.3% sequentially from $13.2M; diluted EPS $0.74 vs $0.77 prior quarter.","Net interest margin fell to 3.45% from 3.75% in Q1, driven by higher deposit costs (cost of funds 2.04% vs 1.53%).","Loans held for investment grew 2.01% sequentially to $2.93B; deposits increased 0.32% with non-brokered deposits up 0.89%.","Non-interest income jumped to $2.8M from $1.4M, including $1.3M gain from venture-backed fund distributions.","Board declared $0.20/share cash dividend (unchanged); nonperforming loans remained 0.01% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-23-000114","json":"https://secwatch.observer/filing/0001275168-23-000114.json","markdown":"https://secwatch.observer/filing/0001275168-23-000114.md","text":"https://secwatch.observer/filing/0001275168-23-000114.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000114/0001275168-23-000114-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000114/fsbc-20230724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:52:19.303637+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":"7af1cd02711f101f9c139fb89ebb013281c1458b","claim":"FIVE STAR BANCORP reported the quarter ended June 30, 2023 results: net income net income of $12.7 million, EPS $0.74.","evidence_excerpt":"Five Star Bancorp (Nasdaq: FSBC) (the “Company” or “Five Star”), the holding company for Five Star Bank (the “Bank”), today reported net income of $12.7 million for the three months ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000114/0001275168-23-000114-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"net income of $12.7 million"},{"label":"EPS","value":"$0.74"},{"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"}