Company: FSBC
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001628280-25-038796
Chunk: 124

Company: FIVE STAR BANCORP
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 8
Chunk 124
---
— — 48 — — 48 Total26,536 20,728 30,982 12,188 9,251 15,737 55,914 — 171,336 UnsecuredPass8,071 4,499 2,815 3,494 4,817 1,364 2,515 — 27,575 Total8,071 4,499 2,815 3,494 4,817 1,364 2,515 — 27,575 Consumer and otherPass232,420 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, which 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.

20

Table 4.3 shows the age analysis of past due loans by class as of the dates shown.Table 4.3: Age Analysis of