Company: FSBC
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001628280-25-038796
Chunk: 234

Company: FIVE STAR BANCORP
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 2
Chunk 234
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.00 %

For the six months ended June 30, 2025June 30, 2024(dollars in thousands)Average AmountAverage Rate Paid% of Total DepositsAverage AmountAverage Rate Paid% of Total DepositsInterest-bearing transaction accounts$293,539 1.48 %8.02 %$295,897 1.52 %9.61 %Money market and savings accounts1,717,189 3.20 %46.90 %1,601,359 3.42 %52.02 %Time accounts716,466 4.34 %19.57 %351,237 5.00 %11.41 %Demand accounts934,121 — %25.51 %829,887 — %26.96 %Total deposits$3,661,315 2.47 %100.00 %$3,078,380 2.50 %100.00 %

Uninsured and uncollateralized deposits totaled approximately $1.3 billion and $1.2 billion at June 30, 2025 and December 31, 2024, respectively.

55

As of June 30, 2025, our 48 largest deposit relationships, each accounting for more than $10.0 million, totaled $1.9 billion, or 49.78% of our total deposits. The average age on deposit relationships of more than $5.0 million was approximately 8.34 years as of June 30, 2025. As of December 31, 2024, our 49 largest deposit relationships, each accounting for more than $10.0 million, totaled $1.8 billion, or 50.35% of our total deposits.

Table 23 shows the entity types making up our large deposit relationships at the dates indicated. 

Table 23: Composition of Large Deposit Relationships(dollars in thousands)June 30, 2025December 31, 2024Municipalities$684,410 $674,094 Non-profits297,281 211,480 Businesses590,699 605,894 Brokered deposits366,364 299,961 Total$1,938,754 $1,791,429 

Our largest single deposit relationship at June 30, 2025 related to brokered deposits. The balance for this customer