secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0001628280-25-035795
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000162828025035795/0001628280-25-035795-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000162828025035795/fsbc-20250723.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-035795

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