Company: FSBC
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001628280-25-038796
Chunk: 206

Company: FIVE STAR BANCORP
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 2
Chunk 206
---
 performing and nonperforming loans.

Table 3: Average Balances, Interest, and Yield/RateFor the three months endedJune 30, 2025For the three months endedJune 30, 2024(dollars in thousands)Average BalanceInterest Income/ExpenseAverage Yield/Rate Average BalanceInterest Income/ExpenseAverage Yield/RateAssetsInterest-earning deposits in banks1$361,866 $3,987 4.42 %$148,936 $1,986 5.36 %Investment securities1,297,886 577 2.37 %105,819 650 2.47 %Loans held for investment and sale1,33,691,616 56,016 6.09 %3,197,921 46,362 5.83 %Total interest-earning assets14,151,368 60,580 5.85 %3,452,676 48,998 5.71 %Interest receivable and other assets, net4101,632 84,554 Total assets$4,253,000 $3,537,230 Liabilities and shareholders’ equityInterest-bearing transaction accounts1$283,369 $1,043 1.48 %$291,470 $1,104 1.52 %Savings accounts1121,692 801 2.64 %120,080 856 2.87 %Money market accounts11,647,628 13,270 3.23 %1,547,814 13,388 3.48 %Time accounts1726,295 7,790 4.30 %272,887 3,369 4.96 %Subordinated notes and other borrowings173,967 1,161 6.30 %75,747 1,189 6.31 %Total interest-bearing liabilities2,852,951 24,065 3.38 %2,307,998 19,906 3.47 %Demand accounts957,034 817,668 Interest payable and other liabilities32,406 41,429 Shareholders’ equity410,609 370,135 Total liabilities and shareholders’ equity$4,253,000 $3,537,230 Net interest spread5 2.47 % 2.24 %Net interest income