Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 76

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 76
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, 2025September 30, 2024(dollars in thousands)Average AmountAverage Rate Paid% of Total DepositsAverage AmountAverage Rate Paid% of Total DepositsInterest-bearing transaction accounts$295,933 1.51 %7.87 %$298,010 1.55 %9.57 %Money market and savings accounts1,814,202 3.21 %48.21 %1,635,519 3.50 %52.52 %Time accounts690,506 4.32 %18.35 %342,978 5.03 %11.01 %Demand accounts961,903 — %25.57 %837,604 — %26.90 %Total deposits$3,762,544 2.46 %100.00 %$3,114,111 2.54 %100.00 %

Uninsured and uncollateralized deposits totaled approximately $1.4 billion and $1.2 billion at September 30, 2025 and December 31, 2024, respectively.

56

As of September 30, 2025, our 56 largest deposit relationships, each accounting for more than $10.0 million, totaled $2.0 billion, or 49.21% of our total deposits. The average age on deposit relationships of more than $5.0 million was approximately 7.98 years as of September 30, 2025. As of December 31, 2024, our 49 largest deposit relationships, each accounting for more than $10.0 million, totaled $1.8 billion, or 50.35% of our total deposits.

Table 23 shows the entity types making up our large deposit relationships at the dates indicated. 

Table 23: Composition of Large Deposit Relationships(dollars in thousands)September 30, 2025December 31, 2024Municipalities$739,595 $674,094 Non-profits271,872 211,480 Businesses791,397 605,894 Brokered deposits216,402 299,961 Total$2,019,266 $1,791,429 

Our largest single deposit relationship at September 30, 2025 related to a government agency. The balance for this customer was $290.0 million, or approximately 7.