{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-24-000013","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.650727+00:00","generated_at":"2026-06-06T14:43:07.052941+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Five Star Bancorp Q4 net income $10.8M, down 18.7% YoY; full-year net income $47.7M, up 6.6%","bullets":["Q4 2023 diluted EPS $0.63 vs $0.77 YoY; net income $10.8M vs $13.3M.","Net interest margin fell to 3.19% from 3.83% YoY; cost of funds rose to 2.50%.","Loans held for investment grew 10.4% YoY to $3.08B; deposits up 8.8% to $3.03B.","San Francisco Bay Area expansion: 10 employees generated $73.8M in deposits by year-end.","Board declared $0.20/share dividend payable Feb 12, 2024; efficiency ratio 44.25%."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-24-000013","json":"https://secwatch.observer/filing/0001275168-24-000013.json","markdown":"https://secwatch.observer/filing/0001275168-24-000013.md","text":"https://secwatch.observer/filing/0001275168-24-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000013/0001275168-24-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000013/fsbc-20240129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:43:07.052941+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":"a9758ecc546a3b88971caa602daa57eeb0177951","claim":"FIVE STAR BANCORP reported the year ended December 31, 2023 results: net income $47.7 million, EPS $2.78 per diluted share.","evidence_excerpt":"Net income for the year ended December 31, 2023 was $47.7 million, as compared to $44.8 million for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000013/0001275168-24-000013-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$47.7 million"},{"label":"EPS","value":"$2.78 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f1204093ceb1a5bb7391b0e452b940b311e687dc","claim":"FIVE STAR BANCORP reported the three months ended December 31, 2023 results: net income $10.8 million, EPS $0.63 per diluted share.","evidence_excerpt":"Five Star Bancorp (Nasdaq: FSBC) (the “Company” or “Five Star”), the holding company for Five Star Bank, today reported net income of $10.8 million for the three months ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000013/0001275168-24-000013-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2023"},{"label":"Net income","value":"$10.8 million"},{"label":"EPS","value":"$0.63 per diluted share"},{"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"}