Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 227

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 227
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 $— $3,144,303 Commercial land and development934 — — — 934 Commercial construction136,988 — — — 136,988 Residential construction5,976 — — — 5,976 Residential35,739 — — — 35,739 Farmland57,572 — — — 57,572 Commercial:Secured178,719 12,347 104 — 191,170 Unsecured38,658 — — — 38,658 Consumer and other278,203 — 6 — 278,209 Total $3,778,244 $92,749 $18,556 $— $3,889,549 December 31, 2024Real estate:Commercial$2,746,594 $107,992 $2,587 $— $2,857,173 Commercial land and development3,849 — — — 3,849 Commercial construction111,318 — — — 111,318 Residential construction4,561 — — — 4,561 Residential32,774 — — — 32,774 Farmland45,948 1,293 — — 47,241 Commercial:Secured156,381 14,119 48 — 170,548 Unsecured27,558 — — — 27,558 Consumer and other279,575 — 9 — 279,584 Total $3,408,558 $123,404 $2,644 $— $3,534,606 

Loans designated as watch and substandard, which are not considered adversely classified, decreased to $111.3 million at September 30, 2025 from $126.0 million at December 31, 2024. During the three months ended September 30, 2025, one borrower with $11.6 million in total loans outstanding on a special purpose commercial real estate loan and a commercial line of credit, was downgraded from watch to substandard, which contributed to the decrease in loans designated as watch and the increase in loans designated as substandard compared to December 31, 2024. There were no loans with doubtful risk grades at September 30