Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 108

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 108
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 if the deficiencies are not corrected.Loans rated doubtful: These are loans for which the collection or liquidation of the entire debt is highly questionable or improbable. Typically, the possibility of loss is extremely high. The losses on these loans are deferred until all pending factors have been addressed.

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Table 4.2 presents the amortized cost basis of the Company’s loans by origination year, where origination is defined as the later of origination or renewal date, and credit quality indicator as of the periods indicated.Table 4.2: Loans by Risk Category and VintageAmortized Cost Basis by Origination Year as of March 31, 2025(in thousands)20252024202320222021PriorRevolving LoansRevolving Converted to TermTotalReal estate:CommercialPass$120,306 $422,735 $299,751 $881,165 $612,219 $494,109 $6,241 $— $2,836,526 Watch— 640 9,579 37,903 25,092 23,699 1,391 — 98,304 Substandard— — — 1,102 — 2,551 — — 3,653 Total120,306 423,375 309,330 920,170 637,311 520,359 7,632 — 2,938,483 Commercial land and developmentPass1,551 420 — 767 — 816 — — 3,554 Total1,551 420 — 767 — 816 — — 3,554 Commercial constructionPass6,377 17,630 88,230 525 — — — — 112,762 Total6,377 17,630 88,230 525 — — — — 112,762 Residential constructionPass— 5,745 — — — — — — 5,745 Total— 5,745 — — — — — — 5,745 ResidentialPass410 6,080 4,770 2,852 9,429 8,350 2,184 — 34,075 Total410 6,080 4,770 2,852 9,429 8,350