Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 221

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 221
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 obtained for loans that are downgraded to watch or substandard. Loans over $2.0 million are reviewed annually, at which time an internal assessment of collateral values is completed. 

Table 15: Commercial Real Estate Loans(dollars in thousands)Loan Balance% of Commercial Real EstateCollateral ValueMinimum LTVMaximum LTVSeptember 30, 2025Manufactured home community$980,499 31.18 %$1,732,112 16.24 %74.46 %RV Park384,290 12.22 %693,932 17.68 %74.76 %Retail303,509 9.65 %622,971 0.69 %74.55 %Industrial243,585 7.75 %555,875 1.90 %91.52 %Multifamily240,777 7.66 %521,088 11.74 %79.49 %Mini storage190,342 6.05 %381,810 14.70 %70.00 %Faith-based189,371 6.02 %506,973 9.17 %73.79 %Office161,482 5.14 %375,374 4.73 %73.64 %All other types1450,448 14.33 %949,198 — %134.65 %Total2$3,144,303 100.00 %$6,339,333 December 31, 2024Manufactured home community$891,935 31.22 %$1,586,109 14.24 %74.52 %RV Park371,733 13.01 %648,272 17.94 %75.00 %Retail283,394 9.92 %569,677 6.49 %72.80 %Industrial224,860 7.87 %500,307 4.56 %73.91 %Faith-based184,151 6.45 %492,030 9.35 %74.67 %Mini storage177,854 6.22 %361,437 16.23 %69.19 %Multifamily172,592 6.04 %371,634 14.35 %75.00