---
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"
generated_at: "2026-05-15T02:44:44.070453+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q1 2026 net income $18.6M, EPS $0.87; loan growth 3.4% QoQ, dividend raised to $0.25

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-027794
- JSON: https://secwatch.observer/filing/0001628280-26-027794.json
- Plain text: https://secwatch.observer/filing/0001628280-26-027794.txt

## Key facts
- Earnings Releases
  FIVE STAR BANCORP reported the three months ended March 31, 2026 results: net income $18.6 million, EPS $0.87 per share.
  - Period: the three months ended March 31, 2026
  - Net income: $18.6 million
  - EPS: $0.87 per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/0001628280-26-027794-index.htm

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