secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001628280-26-003500
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 Q4 net income $17.6M, EPS $0.83; dividend raised to $0.25
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026003500/0001628280-26-003500-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026003500/fsbc-20260126.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-003500

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