---
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"
generated_at: "2026-05-31T16:11:50.304524+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q2 net income $10.8M, EPS $0.51; loan growth 20% annualized; NIM up to 3.39%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1275168/000127516824000105/0001275168-24-000105-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000127516824000105/fsbc-20240724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-24-000105
- JSON: https://secwatch.observer/filing/0001275168-24-000105.json
- Plain text: https://secwatch.observer/filing/0001275168-24-000105.txt

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