---
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"
generated_at: "2026-05-27T08:02:56.102174+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q4 net income $13.3M ($0.63/sh); FY net income $45.7M; loans +14.6% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1275168/000127516825000007/0001275168-25-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000127516825000007/fsbc-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-25-000007
- JSON: https://secwatch.observer/filing/0001275168-25-000007.json
- Plain text: https://secwatch.observer/filing/0001275168-25-000007.txt

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