Company: FSBC
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001275168-25-000038
Chunk: 129

Company: FIVE STAR BANCORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 129
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graded to watch or substandard. Loans over $2.0 million are reviewed annually, at which time an internal assessment of collateral values is completed.

Table 10: Commercial Real Estate Loans(dollars in thousands)Loan Balance% of Commercial Real Estate Collateral ValueMinimum LTV Maximum LTV December 31, 2024     Manufactured home community$891,935 31.22 %$1,586,109 14.24 %74.52 %RV Park371,733 13.01 %648,272 17.94 %75.00 %Retail283,394 9.92 %569,677 6.49 %72.80 %Industrial224,860 7.87 %500,307 4.56 %73.91 %Faith-based184,151 6.45 %492,030 9.35 %74.67 %Mini storage177,854 6.22 %361,437 16.23 %69.19 %Multifamily172,592 6.04 %371,634 14.35 %75.00 %Office145,986 5.11 %338,474 5.03 %73.64 %All other types1404,668 14.16 %855,084 4.00 %112.07 %Total2$2,857,173 100.00 %$5,723,024 December 31, 2023Manufactured home community$813,687 30.30 %$1,430,224 16.80 %74.52 %RV Park343,817 12.80 %599,691 18.29 %75.00 %Retail273,100 10.17 %540,660 6.89 %74.07 %Multifamily211,598 7.88 %427,948 13.12 %75.00 %Faith-based184,799 6.88 %488,160 8.33 %74.54 %Mini storage176,380 6.57 %358,395 16.56 %70.00 %Industrial173,192 6.45 %417,439 7.48 %83.26 %Office135