{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-035795","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.566480+00:00","generated_at":"2026-05-18T02:04:22.135352+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Five Star Bancorp Q2 net income $14.5M ($0.68 EPS), up 35% YoY; loan growth 15% YoY","bullets":["Net income $14.5M vs $10.8M in Q2 2024 (+34.6%); diluted EPS $0.68 vs $0.51.","Total loans held for investment $3.76B, up $136M (+3.76%) QoQ and $492M (+15.05%) YoY.","Total deposits $3.89B, up $158M (+4.24%) QoQ; non-interest-bearing deposits +7.5% QoQ.","Net interest margin expanded to 3.53% from 3.45% QoQ; efficiency ratio improved to 41.03%.","Declared $0.20 dividend payable Aug 11, 2025; short-term borrowings remained at zero."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-035795","json":"https://secwatch.observer/filing/0001628280-25-035795.json","markdown":"https://secwatch.observer/filing/0001628280-25-035795.md","text":"https://secwatch.observer/filing/0001628280-25-035795.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000162828025035795/0001628280-25-035795-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000162828025035795/fsbc-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:04:22.135352+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"}