secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2025-01-28T23:59:59+00:00
Accession:  0001275168-25-000007
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000127516825000007/0001275168-25-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000127516825000007/fsbc-20250127.htm
  HTML page:      https://secwatch.observer/filing/0001275168-25-000007

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