secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2025-04-29T23:59:59+00:00
Accession:  0001275168-25-000068
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000127516825000068/0001275168-25-000068-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000127516825000068/fsbc-20250428.htm
  HTML page:      https://secwatch.observer/filing/0001275168-25-000068

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