---
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"
generated_at: "2026-06-03T04:08:22.404575+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q1 net income $10.6M, EPS $0.62; margin compresses to 3.14%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1275168/000127516824000090/0001275168-24-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000127516824000090/fsbc-20240429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-24-000090
- JSON: https://secwatch.observer/filing/0001275168-24-000090.json
- Plain text: https://secwatch.observer/filing/0001275168-24-000090.txt

## Key facts
- Earnings Releases
  FIVE STAR BANCORP reported the three months ended March 31, 2024 results: net income $10.6 million, EPS $0.62.
  - Period: the three months ended March 31, 2024
  - Net income: $10.6 million
  - EPS: $0.62
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1275168/000127516824000090/0001275168-24-000090-index.htm

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