Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 150

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 150
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149,206 5.71 %Interest receivable and other assets, net4101,825 89,499 Total assets$4,279,427 $3,577,765 Liabilities and shareholders’ equityInterest-bearing transaction accounts1$295,933 $3,350 1.51 %$298,010 $3,467 1.55 %Savings accounts1125,449 2,468 2.63 %123,170 2,697 2.92 %Money market accounts11,688,753 41,052 3.25 %1,512,349 40,231 3.55 %Time accounts1690,506 22,318 4.32 %342,978 12,909 5.03 %Subordinated notes and other borrowings173,952 3,484 6.30 %78,498 3,680 6.26 %Total interest-bearing liabilities2,874,593 72,672 3.38 %2,355,005 62,984 3.57 %Demand accounts961,903 837,604 Interest payable and other liabilities31,674 37,377 Shareholders’ equity411,257 347,779 Total liabilities and shareholders’ equity$4,279,427 $3,577,765 Net interest spread5 2.46 % 2.14 %Net interest income/margin6$109,840 3.52 %$86,222 3.30 %

1Interest income/expense is divided by the actual number of days in the period multiplied by the actual number of days in the year to correspond to stated interest rate terms, where applicable.

2Yields on available-for-sale securities are calculated based on fair value. Investment security interest is earned monthly on a 30/360 day basis. Yields are not calculated on a tax-equivalent basis.

3Non-accrual loans are included in total loan balances. No adjustment has been made for these loans in the yield calculations. Interest income on loans includes amortization of deferred loan fees, net of deferred loan costs. Allowance for credit losses is not included in total loan balances.

4Allowance for credit losses is included in interest receivable and other assets, net.

5Net interest spread represents the average yield earned on interest-earning assets minus the average rate paid