{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-24-000135","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2024-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.946808+00:00","generated_at":"2026-05-30T08:55:07.555683+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Five Star Bancorp Q3 net income $10.9M; loans up 6% QoQ, deposits up 8%","bullets":["EPS $0.52 diluted, vs $0.51 QoQ and $0.64 YoY; net income $10.9M (stable vs $11.0M YoY).","Total loans held for investment $3.46B (+5.95% QoQ, +14.97% YoY); total deposits $3.40B (+7.95% QoQ).","Net interest margin 3.37% (3.39% QoQ, 3.31% YoY); cost of funds 2.72% (up 16 bps QoQ).","Efficiency ratio improved to 43.37% from 44.07% QoQ; no short-term borrowings at quarter end.","Declared $0.20/sh dividend payable Nov 12; opened San Francisco office with $189M deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-24-000135","json":"https://secwatch.observer/filing/0001275168-24-000135.json","markdown":"https://secwatch.observer/filing/0001275168-24-000135.md","text":"https://secwatch.observer/filing/0001275168-24-000135.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000135/0001275168-24-000135-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516824000135/fsbc-20241028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:55:07.555683+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"}