Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 28

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 28
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Residential construction64 — — 44 108 Residential270 — — 81 351 Farmland607 — — (182)425 Commercial:Secured5,866 (2,764)310 6,988 10,400 Unsecured278 (50)— 210 438 Consumer and other2,496 (211)215 (19)2,481 Total$37,791 $(3,305)$525 $7,050 $42,061 Nine months ended September 30, 2024Real estate:Commercial$29,015 $— $— $(2,798)$26,217 Commercial land and development178 — — (89)89 Commercial construction718 — — 1,038 1,756 Residential construction89 — — (42)47 Residential151 — — 133 284 Farmland399 — — 182 581 Commercial:Secured3,314 (3,075)292 5,518 6,049 Unsecured189 (75)34 103 251 Consumer and other378 (202)228 1,905 2,309 Total$34,431 $(3,352)$554 $5,950 $37,583 

24

Unfunded Loan Commitment ReservesUnfunded loan commitment reserves are included in “Interest payable and other liabilities” in the unaudited consolidated balance sheets. Provisions for unfunded loan commitments are included in “Provision for credit losses” in the unaudited consolidated statements of income.Table 4.6: Unfunded Loan Commitment ReservesThree months endedNine months ended(in thousands)September 30, 2025September 30, 2024September 30, 2025September 30, 2024Balance at beginning of period$597 $1,147 $747 $1,247 Provision (benefit)— (200)(150)(300)Balance at end of period$597 $947 $597 $947 

Pledged LoansThe Company’s FHLB line of credit is secured under terms of a collateral agreement by a pledge of certain qualifying loans with unpaid principal balances of $2.1 billion and $1.9 billion at September 30, 2025