Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 231

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 231
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 to operate our business with close monitoring of the loan to deposit ratio.

Table 22 summarizes our deposit composition by average deposit balances and average rates paid for the periods indicated.

Table 22: Deposit Composition by Average Balances and Rates PaidFor the three months ended September 30, 2025September 30, 2024(dollars in thousands)Average AmountAverage Rate Paid% of Total DepositsAverage AmountAverage Rate Paid% of Total DepositsInterest-bearing transaction accounts$300,642 1.58 %7.59 %$302,188 1.63 %9.49 %Money market and savings accounts2,005,062 3.21 %50.61 %1,703,095 3.66 %53.47 %Time accounts639,434 4.28 %16.14 %326,640 5.08 %10.26 %Demand accounts1,016,560 — %25.66 %852,872 — %26.78 %Total deposits$3,961,698 2.44 %100.00 %$3,184,795 2.63 %100.00 %

For the nine months ended September 30, 2025September 30, 2024(dollars in thousands)Average AmountAverage Rate Paid% of Total DepositsAverage AmountAverage Rate Paid% of Total DepositsInterest-bearing transaction accounts$295,933 1.51 %7.87 %$298,010 1.55 %9.57 %Money market and savings accounts1,814,202 3.21 %48.21 %1,635,519 3.50 %52.52 %Time accounts690,506 4.32 %18.35 %342,978 5.03 %11.01 %Demand accounts961,903 — %25.57 %837,604 — %26.90 %Total deposits$3,762,544 2.46 %100.00 %$3,114,111 2.54 %100.00 %

Uninsured and uncollateralized deposits totaled approximately $1.4 billion and $1.2 billion at September 30, 2025 and December 31, 2024, respectively.

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As of September