Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 86

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 86
---
409,514 10.05 %$162,960 4.00 %N/AN/A

62

Table 29: Capital Ratios for the BankActual Ratio Required for Capital Adequacy Purposes1Ratio to be Well-Capitalized under Prompt Corrective Action Provisions(dollars in thousands)AmountRatio AmountRatioAmountRatioSeptember 30, 2025Total capital (to risk-weighted assets)$537,278 13.15 %$326,966 8.00 %$408,708 10.00 %Tier 1 capital (to risk-weighted assets)$495,722 12.13 %$245,225 6.00 %$326,966 8.00 %Common equity tier 1 capital (to risk-weighted assets)$495,722 12.13 %$183,918 4.50 %$265,660 6.50 %Tier 1 leverage$495,722 11.01 %$180,168 4.00 %$225,211 5.00 %December 31, 2024  Total capital (to risk-weighted assets)$504,896 13.59 %$297,216 8.00 %$371,520 10.00 %Tier 1 capital (to risk-weighted assets)$468,584 12.61 %$222,912 6.00 %$297,216 8.00 %Common equity tier 1 capital (to risk-weighted assets)$468,584 12.61 %$167,184 4.50 %$241,488 6.50 %Tier 1 leverage$468,584 11.50 %$162,942 4.00 %$203,677 5.00 %

1The listed capital adequacy ratios exclude capital conservation buffers.

Non-GAAP Financial Measures

Some of the financial measures discussed herein are non-GAAP financial measures. In accordance with SEC rules, we classify a financial measure as being a non-GAAP financial measure if that financial measure excludes or includes amounts, or is subject to adjustments that have the effect of excluding or including amounts, that are included or excluded, as the case may be, in the most directly comparable measure calculated and presented in accordance with GAAP in our consolidated statements of income, balance sheets, statements of shareholders