{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-049183","form_type":"8-K","ticker":"FSBC","cik":"0001275168","company_name":"FIVE STAR BANCORP","filed_at":"2026-07-22T20:02:07+00:00","discovered_at":"2026-07-22T20:03:00.357083+00:00","generated_at":"2026-07-22T20:03:13.287384+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Five Star Bancorp Q2 2026 net income $19.4M, EPS $0.91; NIM 3.63%, loans +7% QoQ","bullets":["Net income $19.4M vs $18.6M Q1 2026 and $14.5M Q2 2025; diluted EPS $0.91 vs $0.87 and $0.68.","Net interest margin 3.63% (down 7bp QoQ, up 10bp YoY); net interest income $46.1M, +6% QoQ.","Loans held for investment $4.52B, +7.3% QoQ; deposits $4.80B, +7.4% QoQ; non-wholesale deposits +11.3%.","Nonperforming loans to total loans rose to 0.30% from 0.07% QoQ due to one $11.4M CRA loan on non-accrual.","Board declared $0.25/share dividend payable Aug 10, 2026 to holders of record Aug 3, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-049183","json":"https://secwatch.observer/filing/0001628280-26-049183.json","markdown":"https://secwatch.observer/filing/0001628280-26-049183.md","text":"https://secwatch.observer/filing/0001628280-26-049183.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026049183/0001628280-26-049183-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275168/000162828026049183/fsbc-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:03:13.287384+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}