Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 162

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 162
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 March 31, 2025 and December 31, 2024 for Bancorp and the Bank are presented in Tables 24 and 25. As of March 31, 2025 and December 31, 2024, Bancorp’s Tier 2 capital included subordinated notes, which were not included at the Bank level. Eligible amounts of subordinated notes included in Tier 2 capital will be phased out by 20% per year beginning five years before the maturity date of the notes.

Table 24: Capital Ratios for BancorpActual Ratio Required for Capital Adequacy Purposes1Ratio to be Well-Capitalized under Prompt Corrective Action Provisions(dollars in thousands)AmountRatio AmountRatioAmountRatioMarch 31, 2025Total capital (to risk-weighted assets)$530,135 13.97 %$339,287 8.00 %N/AN/ATier 1 capital (to risk-weighted assets)$417,586 11.00 %$227,700 6.00 %N/AN/ACommon equity tier 1 capital (to risk-weighted assets)$417,586 11.00 %$170,775 4.50 %N/AN/ATier 1 leverage$417,586 10.17 %$164,288 4.00 %N/AN/ADecember 31, 2024Total capital (to risk-weighted assets)$519,722 13.99 %$332,622 8.00 %N/AN/ATier 1 capital (to risk-weighted assets)$409,514 11.02 %$222,940 6.00 %N/AN/ACommon equity tier 1 capital (to risk-weighted assets)$409,514 11.02 %$167,205 4.50 %N/AN/ATier 1 leverage$409,514 10.05 %$162,960 4.00 %N/AN/A

Table 25: Capital Ratios for the BankActual Ratio Required for Capital Adequacy Purposes1Ratio to be Well-Capitalized under Prompt Corrective Action Provisions(dollars in thousands)AmountRatio AmountRatioAmountRatioMarch 31, 2025Total capital (to risk-weighted assets)$511,341 13.50 %$303,162 8