---
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"
generated_at: "2026-05-17T01:53:00.457765+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q3 net income $16.3M, EPS $0.77 up 49% YoY; loan growth 3.4%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1275168/000162828025046534/0001628280-25-046534-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000162828025046534/fsbc-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-046534
- JSON: https://secwatch.observer/filing/0001628280-25-046534.json
- Plain text: https://secwatch.observer/filing/0001628280-25-046534.txt

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