{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-23-000127","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2023-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.501503+00:00","generated_at":"2026-06-09T04:16:44.868579+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Five Star Bancorp Q3 net income $11M, down 13% QoQ; NIM 3.31% vs 3.45%","bullets":["Net income $11.0M ($0.64 diluted EPS), down from $12.7M ($0.74) in Q2 2023 and $11.7M ($0.68) in Q3 2022.","Net interest margin compressed to 3.31% from 3.45% QoQ and 3.86% year ago.","Total deposits grew $102.5M (+3.5%) QoQ; non-brokered deposits up $137.5M.","Loans held for investment increased $82.5M (+2.82%) QoQ; nonperforming loans rose to 0.07% from 0.01%.","Board declared $0.20 per share dividend; efficiency ratio 41.63%."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-23-000127","json":"https://secwatch.observer/filing/0001275168-23-000127.json","markdown":"https://secwatch.observer/filing/0001275168-23-000127.md","text":"https://secwatch.observer/filing/0001275168-23-000127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000127/0001275168-23-000127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000127/fsbc-20231030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T04:16:44.868579+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":"b34983b9150cc6815a4661bfff52c039b54b7f69","claim":"FIVE STAR BANCORP reported the three months ended September 30, 2023 results: net income net income of $11.0 million, EPS $0.64.","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 $11.0 million for the three months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516823000127/0001275168-23-000127-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"net income of $11.0 million"},{"label":"EPS","value":"$0.64"},{"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"}