{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-24-000090","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.677867+00:00","generated_at":"2026-06-03T04:08:22.404575+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 Q1 net income $10.6M, EPS $0.62; margin compresses to 3.14%","bullets":["Net income $10.6M vs $13.2M YoY; diluted EPS $0.62 vs $0.77.","Net interest margin 3.14% (down 61bps YoY); efficiency ratio 44.50%.","Wholesale deposits down $183.1M (51%); non-wholesale deposits up $112M (4.2%).","Loans held for investment $3.1B (+0.73% QoQ); NPL ratio 0.06%.","Public offering of 3.45M shares closed Apr 2; dividend $0.20 declared for May 13."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-24-000090","json":"https://secwatch.observer/filing/0001275168-24-000090.json","markdown":"https://secwatch.observer/filing/0001275168-24-000090.md","text":"https://secwatch.observer/filing/0001275168-24-000090.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000090/0001275168-24-000090-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000090/fsbc-20240429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T04:08:22.404575+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":"99227c63c53909f7c083b58edb4e2d0f1b0cba0e","claim":"FIVE STAR BANCORP reported the three months ended March 31, 2024 results: net income $10.6 million, EPS $0.62.","evidence_excerpt":"Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $10.6 million for the three months ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000090/0001275168-24-000090-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$10.6 million"},{"label":"EPS","value":"$0.62"},{"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"}