Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 203

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 203
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 the average yield on loans, partially offset by an increase in interest expense driven by deposit growth. Additional detail relating to net interest margin in each period is provided below.

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Average balance sheet, interest, and yield/rate analysis. Table 3 presents average balance sheet information, interest income, interest expense, and the corresponding average yield earned or rate paid for each period reported. The average balances are daily averages and include both performing and nonperforming loans.

Table 3: Average Balances, Interest, and Yield/RateFor the three months endedSeptember 30, 2025For the three months endedSeptember 30, 2024(dollars in thousands)Average BalanceInterest Income/ExpenseAverage Yield/Rate Average BalanceInterest Income/ExpenseAverage Yield/RateAssetsInterest-earning deposits in banks1$451,534 $5,009 4.40 %$126,266 $1,657 5.22 %Investment securities1,296,806 579 2.38 %106,256 620 2.32 %Loans held for investment and sale1,33,831,851 59,257 6.14 %3,354,050 50,390 5.98 %Total interest-earning assets14,380,191 64,845 5.87 %3,586,572 52,667 5.84 %Interest receivable and other assets, net4110,118 91,965 Total assets$4,490,309 $3,678,537 Liabilities and shareholders’ equityInterest-bearing transaction accounts1$300,642 $1,194 1.58 %$302,188 $1,237 1.63 %Savings accounts1130,973 895 2.71 %124,851 979 3.12 %Money market accounts11,874,089 15,348 3.25 %1,578,244 14,688 3.70 %Time accounts1639,434 6,899 4.28 %326,640 4,172 5.08 %Subordinated notes and other borrowings173,981 1,161 6.23 %76,988 1,205 6.23 %Total interest-bearing liabilities3,019,119 25,497 3.35 %2,408,