secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2026-04-28T23:59:59+00:00
Accession:  0001628280-26-027794
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/0001628280-26-027794-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026027794/fsbc-20260427.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-027794

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