Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 23

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 1
Chunk 23
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232,420 33,453 7,874 5,812 6 207 — — 279,772 Substandard— — 9 — — — — — 9 Total232,420 33,453 7,883 5,812 6 207 — — 279,781 TotalPass721,468 436,545 937,756 657,915 236,895 352,868 63,251 — 3,406,698 Watch1,142 8,494 53,162 34,476 17,076 7,605 1,391 — 123,346 Substandard— — 9 — — 2,633 — — 2,642 Total$722,610 $445,039 $990,927 $692,391 $253,971 $363,106 $64,642 $— $3,532,686 Management regularly reviews the Company’s loans for accuracy of risk grades whenever new information is received. Borrowers are generally required to submit financial information at regular intervals. Typically, commercial borrowers with lines of credit are required to submit financial information with reporting intervals generally ranging from monthly to annually depending on credit size, risk, and complexity. All commercial borrowers with loans exceeding a certain dollar threshold are usually required to submit financials annually for review; this includes business financial statements, rent rolls, property income statements, and tax returns. Management monitors construction loans monthly and reviews consumer loans based on delinquency. Management also reviews loans graded “watch” or worse, regardless of loan type, no less than quarterly.

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Table 4.3 shows the age analysis of past due loans by class as of the dates shown.Table 4.3: Age Analysis of Past Due Loans by Class(in thousands)Past Due30-59 Days60-89 DaysGreater Than 90 DaysTotal Past DueCurrentTotal Loans ReceivableMarch 31, 2025Real estate:Commercial$386 $— $— $386 $2,938,097 $2,938,483 Commercial land and development— — — — 3,554 3,554 Commercial construction— — — — 112,762 112,762 Residential construction— — — — 5,745 5,