---
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"
generated_at: "2026-05-30T08:55:07.555683+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q3 net income $10.9M; loans up 6% QoQ, deposits up 8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-24-000135
- JSON: https://secwatch.observer/filing/0001275168-24-000135.json
- Plain text: https://secwatch.observer/filing/0001275168-24-000135.txt

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