---
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"
generated_at: "2026-06-13T02:52:19.303637+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q2 net income $12.7M ($0.74 EPS), down 3.3% QoQ, NIM compresses to 3.45%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-23-000114
- JSON: https://secwatch.observer/filing/0001275168-23-000114.json
- Plain text: https://secwatch.observer/filing/0001275168-23-000114.txt

## Key facts
- Earnings Releases
  FIVE STAR BANCORP reported the quarter ended June 30, 2023 results: net income net income of $12.7 million, EPS $0.74.
  - Period: the quarter ended June 30, 2023
  - Net income: net income of $12.7 million
  - EPS: $0.74
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1275168/000127516823000114/0001275168-23-000114-index.htm

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