{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-046534","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.012876+00:00","generated_at":"2026-05-17T01:53:00.457765+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 Q3 net income $16.3M, EPS $0.77 up 49% YoY; loan growth 3.4%","bullets":["Net income $16.3M ($0.77 diluted EPS) vs $14.5M ($0.68) Q2 and $10.9M ($0.52) Q3'24.","Net interest margin expanded to 3.56% from 3.53% QoQ and 3.37% YoY.","Loans held for investment rose $129.2M (3.44% QoQ); total deposits increased $208.8M (5.36%).","Efficiency ratio improved to 40.13% from 41.03% Q2; nonperforming loans remained low at 0.05%.","Board declared $0.20/share dividend payable Nov 10; new Walnut Creek branch opened."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-046534","json":"https://secwatch.observer/filing/0001628280-25-046534.json","markdown":"https://secwatch.observer/filing/0001628280-25-046534.md","text":"https://secwatch.observer/filing/0001628280-25-046534.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000162828025046534/0001628280-25-046534-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000162828025046534/fsbc-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:53:00.457765+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"}