secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001628280-25-046534
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 Q3 net income $16.3M, EPS $0.77 up 49% YoY; loan growth 3.4%
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000162828025046534/0001628280-25-046534-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000162828025046534/fsbc-20251027.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-046534

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer