Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 142

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 142
---
 held for investment:Real estate:Commercial$2,941,201 81.11 %$2,857,173 80.75 %Commercial land and development3,556 0.10 %3,849 0.11 %Commercial construction113,002 3.12 %111,318 3.15 %Residential construction5,747 0.16 %4,561 0.13 %Residential34,053 0.94 %32,774 0.93 %Farmland43,643 1.20 %47,241 1.34 %Commercial:Secured170,525 4.70 %170,548 4.82 %Unsecured34,970 0.96 %27,558 0.78 %Consumer and other277,093 7.64 %279,584 7.90 %Loans held for investment, gross3,623,790 99.93 %3,534,606 99.91 %Loans held for sale:Commercial2,669 0.07 %3,247 0.09 %Total loans, gross3,626,459 100.00 %3,537,853 100.00 %Net deferred loan fees(1,971)(1,920)Total loans$3,624,488 $3,535,933 

Commercial real estate loans consist of term loans secured by a mortgage lien on the real property, such as office and industrial buildings, manufactured home communities, self-storage facilities, hospitality properties, faith-based properties, retail shopping centers, and apartment buildings, as well as commercial real estate construction loans that are offered to builders and developers.

Commercial land and development and commercial construction loans consist of loans made to fund commercial land acquisition and development and commercial construction, respectively. The real estate purchased with these loans is generally located in or near our market.

Residential real estate and construction real estate loans consist of loans secured by single-family and multifamily residential properties, which are both owner-occupied and investor-owned.

Farmland loans consist of loans used to purchase, refinance, or improve farmland secured by farming properties themselves. The farmland is generally located in or near our market.

Commercial loans consist of financing for commercial purposes in various lines of business, including manufacturing, service industry, and professional service areas. Commercial loans can be secured or un