Company: FSBC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001275168-25-000106
Chunk: 191

Company: FIVE STAR BANCORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 2
Chunk 191
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, which are included in Table 11, may be obtained for loans that are downgraded to watch or substandard. Loans over $2.0 million are reviewed annually, at which time an internal assessment of collateral values is completed. 

Table 11: Commercial Real Estate Loans(dollars in thousands)Loan Balance% of Commercial Real EstateCollateral ValueMinimum LTVMaximum LTVMarch 31, 2025Manufactured home community$918,864 31.24 %$1,637,759 14.15 %74.52 %RV Park378,525 12.87 %661,462 17.87 %75.00 %Retail272,441 9.26 %549,633 5.51 %72.46 %Industrial237,128 8.06 %527,874 3.68 %91.90 %Mini storage198,126 6.74 %393,377 16.14 %68.72 %Faith-based187,733 6.38 %498,447 9.29 %74.90 %Multifamily185,543 6.31 %395,489 14.28 %74.80 %All other types1562,841 19.14 %1,214,600 — %134.92 %Total2$2,941,201 100.00 %$5,878,641 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 %