Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 162

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 162
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 %737 1.17 %8,108 1.62 %28,292 1.79 %37,137 1.74 %Collateralized mortgage obligations— — %— — %279 1.76 %— — %279 1.76 %Corporate bonds— — %1,863 1.25 %— — %— — %1,863 1.25 %Total available-for-sale— — %4,183 2.65 %9,233 1.70 %84,778 2.05 %98,194 2.04 %Held-to-maturity:          Obligations of states and political subdivisions210 6.00 %945 6.00 %1,380 6.00 %185 6.00 %2,720 6.00 %Total$210 6.00 %$5,128 3.27 %$10,613 2.26 %$84,963 2.06 %$100,914 2.15 %

Weighted average yield for securities available-for-sale is the projected yield to maturity given current cash flow projections for U.S. government agency securities, mortgage-backed securities, and collateralized mortgage obligations. For callable municipal securities and corporate bonds, weighted average yield is a yield to worst. Weighted average yield for securities held-to-maturity is the stated coupon of the bond.

47

Loan Portfolio

Our loan portfolio is our largest class of interest-earning assets and typically provides higher yields than other types of interest-earning assets. Associated with the higher yields is an inherent amount of credit risk, which we attempt to mitigate with strong underwriting standards. As of September 30, 2025 and December 31, 2024, our total loans amounted to $3.9 billion and $3.5 billion, respectively. Table 14 presents the balance and associated percentage of each major product type within our portfolio as of the dates indicated.

Table 14: Loans OutstandingAs ofSeptember 30, 2025December 31, 2024(dollars in thousands)Amount % of Loans Amount % of Loans Loans held for investment:Real estate:Commercial$3,144,303 80.86 %$2,857,173 80.75 %