{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-25-000007","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.169085+00:00","generated_at":"2026-05-27T08:02:56.102174+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 Q4 net income $13.3M ($0.63/sh); FY net income $45.7M; loans +14.6% YoY","bullets":["Q4 2024 net income $13.3M vs $10.8M in Q4 2023; diluted EPS unchanged at $0.63.","Full year 2024 net income $45.7M vs $47.7M in 2023; diluted EPS $2.26 vs $2.78, down 18.7%.","Loans held for investment grew 14.63% YoY to $3.53B; total deposits up 17.55% to $3.56B.","Net interest margin stable at 3.36% for Q4 (vs 3.37% prior Q); full year NIM 3.32% vs 3.42%.","Board declared $0.20/share dividend payable Feb 10, 2025 to holders of record Feb 3."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-25-000007","json":"https://secwatch.observer/filing/0001275168-25-000007.json","markdown":"https://secwatch.observer/filing/0001275168-25-000007.md","text":"https://secwatch.observer/filing/0001275168-25-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516825000007/0001275168-25-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516825000007/fsbc-20250127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:02:56.102174+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"}