Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 112

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 112
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 to submit financials annually for review; this includes business financial statements, rent rolls, property income statements, and tax returns. Management monitors construction loans monthly and reviews consumer loans based on delinquency. Management also reviews loans graded “watch” or worse, regardless of loan type, no less than quarterly.

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Table 4.3 shows the age analysis of past due loans by class as of the dates shown.Table 4.3: Age Analysis of Past Due Loans by Class(in thousands)Past Due30-59 Days60-89 DaysGreater Than 90 DaysTotal Past DueCurrentTotal Loans ReceivableMarch 31, 2025Real estate:Commercial$386 $— $— $386 $2,938,097 $2,938,483 Commercial land and development— — — — 3,554 3,554 Commercial construction— — — — 112,762 112,762 Residential construction— — — — 5,745 5,745 Residential— — — — 34,075 34,075 Farmland— — — — 43,626 43,626 Commercial:Secured1,232 — — 1,232 170,082 171,314 Unsecured— — — — 34,988 34,988 Consumer and other30 — — 30 277,242 277,272 Total$1,648 $— $— $1,648 $3,620,171 $3,621,819 December 31, 2024Real estate:Commercial$— $— $— $— $2,854,531 $2,854,531 Commercial land and development— — — — 3,854 3,854 Commercial construction— — — — 111,033 111,033 Residential construction— — — — 4,560 4,560 Residential— — — — 32,796 32,796 Farmland— — — — 47,220 47,220 Commercial:Secured1,107 — — 1,107 170,229 171,336 Unsecured— — — — 27,575