Company: FSBC
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001628280-25-038796
Chunk: 82

Company: FIVE STAR BANCORP
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 1
Chunk 82
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, we expect to receive approximately $7.7 million from our securities over the twelve months following June 30, 2025. In future periods, we expect to maintain approximately the same level of cash flows from our securities. Depending on market yield and our liquidity, we may purchase securities as a use of cash in our interest-earning asset portfolio.

During the six months ended June 30, 2025, we had cash proceeds from sales, maturities, calls, and prepayments of securities of $4.1 million. Additionally, at June 30, 2025, securities available-for-sale totaled $95.0 million, of which $91.1 million has been pledged as collateral for borrowings and other commitments.

FHLB Financing

The Bank is a shareholder of the FHLB, which enables the Bank to have access to lower-cost FHLB financing when necessary. At June 30, 2025, the Bank had no outstanding FHLB financing borrowings and a total financing availability of $557.9 million, net of letters of credit issued of $732.5 million.

Federal Reserve Discount Window

The Company has the ability to borrow from the Federal Reserve Discount Window when necessary. At June 30, 2025, the Bank had no outstanding Federal Reserve Discount Window borrowings and a total financing availability of $926.6 million.

Correspondent Bank Lines of Credit

At June 30, 2025, the unused and available amount for borrowing from correspondent bank lines of credit was $185.0 million.

Total Liquidity

Total liquidity (consisting of cash and cash equivalents and unused and immediately available borrowing capacity as set forth in Table 26) was approximately $2.2 billion as of June 30, 2025.

Table 26: Total LiquidityJune 30, 2025(dollars in thousands)Line of CreditLetters of Credit IssuedBorrowingsAvailableFHLB advances$1,290,446 $732,500 $— $557,946 Federal Reserve Discount Window926,573 — — 926,573 Correspondent bank lines of credit185,000 — — 185,000 Cash and cash equivalents— — — 483,810 Total$2,402,019 $732,500 $— $2,153,329 

Future Contractual Obligations

Our estimated future contractual obligations as of June 30,