---
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"
generated_at: "2026-05-16T07:27:34.906274+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q4 net income $17.6M, EPS $0.83; dividend raised to $0.25

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1275168/000162828026003500/0001628280-26-003500-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275168/000162828026003500/fsbc-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-003500
- JSON: https://secwatch.observer/filing/0001628280-26-003500.json
- Plain text: https://secwatch.observer/filing/0001628280-26-003500.txt

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