---
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"
generated_at: "2026-07-22T20:03:13.287384+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Five Star Bancorp Q2 2026 net income $19.4M, EPS $0.91; NIM 3.63%, loans +7% QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-049183
- JSON: https://secwatch.observer/filing/0001628280-26-049183.json
- Plain text: https://secwatch.observer/filing/0001628280-26-049183.txt

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