{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003500","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.690313+00:00","generated_at":"2026-05-16T07:27:34.906274+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 Q4 net income $17.6M, EPS $0.83; dividend raised to $0.25","bullets":["Q4 2025 net income $17.6M ($0.83 diluted EPS) vs $13.3M ($0.63) Q4 2024, up 32%.","Full year 2025 net income $61.6M ($2.90 EPS) vs $45.7M ($2.26) in 2024, up 35%.","Net interest margin expanded to 3.66% Q4 2025 from 3.36% a year ago; loans grew 15% YoY to $4.07B.","Quarterly dividend increased 25% to $0.25/share from $0.20; payable Feb 9, 2026 to holders of record Feb 2.","Efficiency ratio improved to 41.03% for 2025 vs 43.19% in 2024; nonperforming loans ratio rose to 0.08% from 0.05%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003500","json":"https://secwatch.observer/filing/0001628280-26-003500.json","markdown":"https://secwatch.observer/filing/0001628280-26-003500.md","text":"https://secwatch.observer/filing/0001628280-26-003500.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026003500/0001628280-26-003500-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026003500/fsbc-20260126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:27:34.906274+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"}