{"schema_version":"secwatch.filing_event.v1","accession":"0001275168-25-000068","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.816139+00:00","generated_at":"2026-05-23T03:30:33.491297+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Five Star Bancorp Q1 net income $13.1M ($0.62 EPS); NIM expands to 3.45%","bullets":["Net income $13.1M ($0.62 diluted EPS) down 1.5% sequentially but up 23.3% YoY from $10.6M.","Net interest margin 3.45%, up 9 bps QoQ and 31 bps YoY; cost of funds down 9 bps to 2.56%.","Loans held for investment grew 2.52% QoQ to $3.62B; total deposits up 5.01% to $3.74B.","Declared $0.20/share dividend payable May 12, 2025; efficiency ratio 42.58%.","San Francisco Bay Area deposits increased $87.4M to $379.8M; nonperforming loans remained 0.05%."],"urls":{"canonical":"https://secwatch.observer/filing/0001275168-25-000068","json":"https://secwatch.observer/filing/0001275168-25-000068.json","markdown":"https://secwatch.observer/filing/0001275168-25-000068.md","text":"https://secwatch.observer/filing/0001275168-25-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000127516825000068/0001275168-25-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000127516825000068/fsbc-20250428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:30:33.491297+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"}