---
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"
generated_at: "2026-05-18T02:04:22.135352+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q2 net income $14.5M ($0.68 EPS), up 35% YoY; loan growth 15% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035795
- JSON: https://secwatch.observer/filing/0001628280-25-035795.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035795.txt

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