{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-027794","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.078063+00:00","generated_at":"2026-05-15T02:44:44.070453+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Five Star Bancorp Q1 2026 net income $18.6M, EPS $0.87; loan growth 3.4% QoQ, dividend raised to $0.25","bullets":["Net income $18.6M ($0.87 diluted EPS), up from $17.6M in Q4 2025 and $13.1M in Q1 2025.","Net interest margin improved to 3.70% (up 4bp QoQ, 25bp YoY); efficiency ratio 38.57% vs 42.58% a year ago.","Loans held for investment increased $138.5M (3.4% QoQ) to $4.21B; deposits up $268.3M (6.4%) to $4.47B.","Board declared $0.25/share quarterly dividend (up $0.05 from 2025); payable May 11 to holders of record May 4.","Nonperforming loans ratio fell to 0.07% from 0.08% at year-end; provision for credit losses $2.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-027794","json":"https://secwatch.observer/filing/0001628280-26-027794.json","markdown":"https://secwatch.observer/filing/0001628280-26-027794.md","text":"https://secwatch.observer/filing/0001628280-26-027794.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/0001628280-26-027794-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/fsbc-20260427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:44:44.070453+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":[{"claim_id":"f27f7b5cf1ef77e8aa1f1b41018ab7104aa8273d","claim":"FIVE STAR BANCORP reported the three months ended March 31, 2026 results: net income $18.6 million, EPS $0.87 per share.","evidence_excerpt":"Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $18.6 million for the three months ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/0001628280-26-027794-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Net income","value":"$18.6 million"},{"label":"EPS","value":"$0.87 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}