Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 45

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 45
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ance for credit losses to total loans held for investment1.08 %1.07 %Allowance for credit losses to nonperforming loans1,975.62 %2,101.78 %Nonperforming loans to total loans held for investment0.05 %0.05 %Capital ratios:Total capital (to risk-weighted assets)13.59 %13.99 %Tier 1 capital (to risk-weighted assets)10.77 %11.02 %Common equity Tier 1 capital (to risk-weighted assets)10.77 %11.02 %Tier 1 leverage9.78 %10.05 %Total shareholders’ equity to total assets9.29 %9.79 %Tangible shareholders’ equity to tangible assets19.29 %9.79 %

Table 2: Highlights of Financial Results (continued)For the three months ended For the nine months ended(dollars in thousands, except per share data)September 30, 2025September 30, 2024September 30, 2025September 30, 2024Selected operating data:Net interest income$39,348 $30,386 $109,840 $86,222 Provision for credit losses2,500 2,750 6,900 5,650 Non-interest income1,966 1,381 5,135 4,787 Non-interest expense16,580 13,776 47,351 40,005 Net income16,344 10,941 43,963 32,354 Per common share data:Earnings per common share:Basic$0.77 $0.52 $2.07 $1.63 Diluted$0.77 $0.52 $2.07 $1.63 Book value per share$20.19 $18.29 $20.19 $18.29 Tangible book value per share2$20.19 $18.29 $20.19 $18.29 Performance and other financial ratios:ROAA1.44 %1.18 %1.37 %1.21 %ROAE15.35 %11.31 %14.29 %12.43 %Net interest margin3.56 %3.37 %3