secwatch.observer — SEC 8-K summary
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Issuer:     FIVE STAR BANCORP (FSBC)
CIK:        0001275168
Form:       8-K
Filed at:   2026-07-22T20:02:07+00:00
Accession:  0001628280-26-049183
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026049183/0001628280-26-049183-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275168/000162828026049183/fsbc-20260722.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-049183

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