{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-24-000105","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.441444+00:00","generated_at":"2026-05-31T16:11:50.304524+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 Q2 net income $10.8M, EPS $0.51; loan growth 20% annualized; NIM up to 3.39%","bullets":["Net income $10.8M vs $10.6M Q1 and $12.7M YoY; diluted EPS $0.51 vs $0.62 Q1 and $0.74 YoY.","Net interest margin expanded 25bp to 3.39% from 3.14% Q1; net interest income $29.1M up 8.78% QoQ.","Loans held for investment grew $162.2M (5.22%) to $3.27B; total deposits up $193.9M (6.56%).","Completed public offering of 3.97M shares at $21.75, net proceeds ~$80.9M; CET1 ratio 11.28% (vs 9.13% Q1).","Declared Q2 cash dividend $0.20 per share, payable Aug 12, 2024; no short-term borrowings at quarter end."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-24-000105","json":"https://secwatch.observer/filing/0001275168-24-000105.json","markdown":"https://secwatch.observer/filing/0001275168-24-000105.md","text":"https://secwatch.observer/filing/0001275168-24-000105.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000105/0001275168-24-000105-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000105/fsbc-20240724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:11:50.304524+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}