Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 66

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 66
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375,374 4.73 %73.64 %All other types1450,448 14.33 %949,198 — %134.65 %Total2$3,144,303 100.00 %$6,339,333 December 31, 2024Manufactured 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 

1Types of collateral in the “all other types” category are those that individually make up less than 5.00% of the commercial real estate concentration.

2Minimum LTV and maximum LTV not shown for aggregated totals, as such values are meaningful only when presented by specific category.

Over the past several years, we have experienced significant growth in our loan portfolio, although the relative composition of the portfolio has not changed materially. Our primary focus remains commercial real estate lending (including commercial, commercial land and development, and commercial construction), which constitutes 84.40% of loans held for investment at September 30, 2025. Commercial secured lending represents 4.91% of loans held for investment at September 30, 2025. We sell the guaranteed portion of all SBA 7(a) loans in the secondary market and will continue to do so as long as market conditions continue to be favorable.

49

We recognize that our