Company: FSBC
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001275168-25-000038
Chunk: 118

Company: FIVE STAR BANCORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 118
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Investment securities1,2106,289 2,530 2.38 %113,515 2,600 2.29 %Loans held for investment and sale1, 33,283,874 193,341 5.89 %2,947,603 162,713 5.52 %Total interest-earning assets13,608,319 206,951 5.74 %3,245,221 174,382 5.37 %Interest receivable and other assets, net490,061 75,741 Total assets$3,698,380 $3,320,962 Liabilities and shareholders’ equityInterest-bearing transaction accounts1$298,137 $4,716 1.58 %$312,944 $3,321 1.06 %Savings accounts1124,208 3,584 2.89 %140,060 3,073 2.19 %Money market accounts11,533,405 53,750 3.51 %1,263,539 33,932 2.69 %Time accounts1412,007 20,348 4.94 %372,557 17,535 4.71 %Subordinated notes and other borrowings177,335 4,842 6.26 %93,279 5,641 6.05 %Total interest-bearing liabilities2,445,092 87,240 3.57 %2,182,379 63,502 2.91 %Demand accounts858,789 844,057 Interest payable and other liabilities35,331 27,127 Shareholders’ equity359,168 267,399 Total liabilities and shareholders’ equity$3,698,380 $3,320,962 Net interest spread52.17 %2.46 %Net interest income/margin6$119,711 3.32 %$110,880 3.42 %

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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 on a 30/360 day basis monthly. Yields are not calculated on a tax-equivalent basis