Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 229

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 229
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5,866 4.91 %Unsecured438 0.99 %278 0.78 %Consumer and other2,481 7.15 %2,496 7.90 %Total allowance for credit losses$42,061 100.00 %$37,791 100.00 %

The ratio of the allowance for credit losses to total loans held for investment was 1.08% at September 30, 2025, an increase from 1.07% at December 31, 2024.

54

Table 21: Activity Within the Allowance for Credit LossesAs of and for the three months ended As of and for the nine months ended September 30, 2025September 30, 2024September 30, 2025September 30, 2024(dollars in thousands)Activity% of Average Loans Held for InvestmentActivity% of Average Loans Held for InvestmentActivity % of Average Loans Held for InvestmentActivity % of Average Loans Held for InvestmentAverage loans held for investment $3,831,785 $3,350,125 $3,697,065 $3,203,569 Allowance for credit losses$40,167 $35,406 $37,791 $34,431   Net (charge-offs) recoveries:  Real estate:  Commercial(280)(0.01)%— — %(280)(0.01)%— — %Commercial:Secured(353)(0.01)%(784)(0.02)%(2,454)(0.07)%(2,783)(0.09)%Unsecured— — %29 — %(50)— %(41)— %Consumer and other27 — %(18)— %4 — %26 — %Net charge-offs(606)(0.02)%(773)(0.02)%(2,780)(0.08)%(2,798)(0.09)%                   Provision for credit losses2,500 2,950 7,050 5,950                    Allowance for credit losses$42,061 $37,583 $42,061 $37,583                    Loans held for investment$3,887,259 $3,460,565 $3,887,259 $3,460,