UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): ~~October 27~~November 4, 2025

FIVE STAR BANCORP

(Exact Name of Registrant as Specified in Charter)

California

001-40379

75-3100966

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

3100 Zinfandel Drive, Suite 100, Rancho Cordova, California, 95670

(Address of Principal Executive Offices, and Zip Code)

(916) 626-5000

Registrant’s Telephone Number, Including Area Code

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


			☐			Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


			☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


			☐			Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


			☐			Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, no par value per share	FSBC	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☑

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 25.02 ~~Results~~ Departure of ~~Operations~~Directors ~~and~~or ~~Financial~~Certain ~~Condition~~Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

OnChange ~~October 27,~~in ~~2025,~~Control ~~Five~~Agreement ~~Star~~with Bancorp (the “Company”) issued a press release announcing its results of operations and financial condition for the quarter ended September 30, 2025. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.Executives

~~This~~On ~~information~~November ~~(including~~4, ~~Exhibit~~2025, ~~99.1)~~Five isStar ~~being~~Bank ~~furnished~~(the ~~under~~“Bank”), ~~Item~~the ~~2.02~~wholly ~~hereof~~owned ~~and~~banking ~~shall~~subsidiary ~~not be deemed “filed” for purposes~~ of ~~Section~~Five 18Star ofBancorp (the ~~Securities~~“Company”), ~~Exchange~~entered ~~Act~~into ofchange ~~1934,~~in ascontrol ~~amended~~agreements (the “~~Exchange Act~~Agreements”), orwith ~~otherwise~~each ~~subject~~of to the ~~liabilities~~following ofexecutive ~~that~~officers: ~~section~~Heather Luck, ~~and~~Executive ~~such~~Vice ~~information~~President ~~shall~~and ~~not~~Chief beFinancial ~~deemed~~Officer, ~~incorporated~~and byMichael ~~reference~~Rizzo, ~~into~~Executive ~~any~~Vice ~~filing~~President ~~under~~and ~~the~~Chief ~~Securities~~Banking ~~Act~~Officer ~~of 1933~~(each, asan ~~amended (the~~ “~~Securities Act~~Executive”)~~, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing~~.

~~Item~~The ~~7.01 Regulation~~Agreements FDprovide ~~Disclosure~~that in the event that an Executive’s employment with the Bank terminates for any reason, the Executive will be entitled to his or her base salary through the applicable effective date of termination (the “Termination Date”), reimbursement for reasonable business expenses incurred through the Termination Date in accordance with the Bank’s policies, and benefits accrued and vested as of the Termination Date under the employee benefits plans in which the Executive participates in accordance with the terms of such plans.

The ~~Company~~Agreements isfurther ~~conducting~~provide that if, in the year following a Qualifying Change in Control, (i) an ~~earnings~~Executive’s ~~call~~employment onis ~~October 28~~terminated other than for “Cause”, ~~2025~~death ator ~~10:00~~“Disability” AMor ~~PT/1:00~~(ii) PMthe ETExecutive resigns for “Good Reason” (each as defined in the Agreements), then in addition to ~~discuss~~the ~~its~~payments ~~third~~and ~~quarter~~benefits ~~2025~~described ~~financial~~in ~~results.~~the Aprevious ~~copy~~paragraph, and subject to the Executive’s execution of a customary release of claims, the ~~investor~~Executive ~~presentation~~will be entitled to bereceive, ~~used~~within ~~during~~70 ~~the~~days ~~earnings~~following ~~call~~his isor ~~attached~~her termination, a severance payment equal to ~~this~~the ~~Current~~sum ~~Report~~of on12 ~~Form~~months ~~8-K~~of ashis ~~Exhibit~~or ~~99.2~~her base salary and isthe ~~incorporated~~most ~~herein~~recently paid annual cash bonus he or she received. In addition, if any equity incentive awards held by ~~reference~~the Executive are continued, assumed, substituted, or replaced in the Qualifying Change in Control and remain outstanding as of the Termination Date, such awards will become fully vested, with any time- or service-based vesting conditions deemed to be satisfied and (unless otherwise specified in the award agreement) any performance-based vesting conditions deemed to be satisfied at their target achievement levels.

~~This~~If ~~information~~any ~~(including~~of ~~Exhibit~~the ~~99.2)~~foregoing ispayments ~~being furnished under Item 7.01 hereof~~ and ~~shall~~benefits ~~not~~would beconstitute ~~deemed~~a “~~filed~~parachute payment” ~~for~~within ~~purposes~~the meaning of Section 18280G of the ~~Exchange~~Internal ~~Act~~Revenue Code of 1986, oras ~~otherwise~~amended (the “Code”), and would be subject to the ~~liabilities~~excise tax imposed by Section 4999 of ~~that~~the ~~section~~Code, ~~and~~then such ~~information~~payments ~~shall~~and ~~not~~benefits will be ~~deemed~~reduced ~~incorporated~~to bythe ~~reference~~greatest ~~into~~amount ~~any~~that ~~filing~~would ~~under~~not be subject to the ~~Securities~~excise ~~Act~~tax if, orafter ~~the~~taking ~~Exchange~~into ~~Act~~account applicable taxes, ~~except~~the asExecutive ~~shall~~would beretain ~~expressly~~a ~~set~~greater ~~forth~~amount byon ~~specific~~an ~~reference~~after-tax inbasis following such ~~filing~~reduction.

The Agreements will expire as of December 31, 2028 if no Qualifying Change in Control has occurred.

The foregoing description of the Agreements does not purport to be complete and is qualified in its entirety by reference to the full text of the Form of Change in Control Agreement attached hereto as Exhibit 10.1, which is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Number									Description
99.1									Press Release dated October 27, 2025
10.1									Form of Change in Control Agreement
99.2									Third Quarter 2025 Investor Presentation, dated October 28, 2025
104									Cover Page Interactive Data File (embedded within the Inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FIVE STAR BANCORP
	By:	/s/ Heather C. Luck
		Name: Heather C. Luck
		Name: Heather Luck
		Title: Executive Vice President and Chief Financial Officer
Date: October 27, 2025
Date: November 4, 2025

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