---
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"
generated_at: "2026-05-23T03:30:33.491297+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q1 net income $13.1M ($0.62 EPS); NIM expands to 3.45%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275168-25-000068
- JSON: https://secwatch.observer/filing/0001275168-25-000068.json
- Plain text: https://secwatch.observer/filing/0001275168-25-000068.txt

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