Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 184

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 184
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The capital adequacy ratios as of September 30, 2025 and December 31, 2024 for Bancorp and the Bank are presented in Tables 28 and 29. As of September 30, 2025 and December 31, 2024, Bancorp’s Tier 2 capital included subordinated notes, which were not included at the Bank level. Eligible amounts of subordinated notes included in Tier 2 capital will be phased out by 20% per year beginning five years before the maturity date of the notes.

Table 28: Capital Ratios for BancorpActual Ratio Required for Capital Adequacy Purposes1Ratio to be Well-Capitalized under Prompt Corrective Action Provisions(dollars in thousands)AmountRatio AmountRatioAmountRatioSeptember 30, 2025Total capital (to risk-weighted assets)$556,475 13.59 %$356,144 8.00 %N/AN/ATier 1 capital (to risk-weighted assets)$440,915 10.77 %$245,614 6.00 %N/AN/ACommon equity tier 1 capital (to risk-weighted assets)$440,915 10.77 %$184,210 4.50 %N/AN/ATier 1 leverage$440,915 9.78 %$180,241 4.00 %N/AN/ADecember 31, 2024Total capital (to risk-weighted assets)$519,722 13.99 %$332,622 8.00 %N/AN/ATier 1 capital (to risk-weighted assets)$409,514 11.02 %$222,940 6.00 %N/AN/ACommon equity tier 1 capital (to risk-weighted assets)$409,514 11.02 %$167,205 4.50 %N/AN/ATier 1 leverage$409,514 10.05 %$162,960 4.00 %N/AN/A

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Table 29: Capital Ratios for the BankActual Ratio Required for Capital Adequacy Purposes1Ratio to be Well-Capitalized under Prompt Corrective Action Provisions(dollars in thousands)AmountRatio AmountRatioAmountRatioSeptember 30, 2025Total capital (to risk-weighted assets)$537,278 13