---
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"
generated_at: "2026-06-09T04:16:44.868579+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q3 net income $11M, down 13% QoQ; NIM 3.31% vs 3.45%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1275168/000127516823000127/0001275168-23-000127-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000127516823000127/fsbc-20231030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-23-000127
- JSON: https://secwatch.observer/filing/0001275168-23-000127.json
- Plain text: https://secwatch.observer/filing/0001275168-23-000127.txt

## Key facts
- Earnings Releases
  FIVE STAR BANCORP reported the three months ended September 30, 2023 results: net income net income of $11.0 million, EPS $0.64.
  - Period: the three months ended September 30, 2023
  - Net income: net income of $11.0 million
  - EPS: $0.64
  - 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 $11.0 million for the three months ended September 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1275168/000127516823000127/0001275168-23-000127-index.htm

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