Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 166

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 166
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 limits as of September 30, 2025. Additionally, our loans are geographically concentrated with borrowers and collateralized properties primarily in California.

We believe that our past success is attributable to focusing on products and markets where we have significant expertise. Given our concentrations, we have established strong risk management practices, including risk-based lending standards, self-established product and geographical limits, annual evaluations of income property loans, and semi-annual top-down and bottom-up stress testing. We expect to continue growing our loan portfolio. We do not expect our product or geographic concentrations to materially change.

Table 16 sets forth the contractual maturities of our loan portfolio as of the dates indicated. 

Table 16: Contractual Maturities - Gross Loans(dollars in thousands)Due in 1 year or lessDue after 1 year through 5 yearsDue after 5 years through 15 yearsDue after 15 yearsTotalSeptember 30, 2025Real estate:Commercial$28,224 $516,053 $2,528,442 $71,584 $3,144,303 Commercial land and development427 369 138 — 934 Commercial construction45,758 49,008 32,222 10,000 136,988 Residential construction4,570 1,251 155 — 5,976 Residential4,474 9,753 20,626 886 35,739 Farmland737 12,720 44,115 — 57,572 Commercial:Secured60,715 59,653 70,398 404 191,170 Unsecured2,375 13,953 22,330 — 38,658 Consumer and other150 14,455 263,604 — 278,209 Total $147,430 $677,215 $2,982,030 $82,874 $3,889,549 December 31, 2024Real estate:Commercial$35,682 $362,077 $2,383,655 $75,759 $2,857,173 Commercial land and development2,433 438 978 — 3,849 Commercial construction9,378 64,407 37,533 — 111,318 Residential construction3,310 1,251 — — 4,561 Residential324 9,