Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 64

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 64
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, respectively. Table 14 presents the balance and associated percentage of each major product type within our portfolio as of the dates indicated.

Table 14: Loans OutstandingAs ofSeptember 30, 2025December 31, 2024(dollars in thousands)Amount % of Loans Amount % of Loans Loans held for investment:Real estate:Commercial$3,144,303 80.86 %$2,857,173 80.75 %Commercial land and development934 0.02 %3,849 0.11 %Commercial construction136,988 3.52 %111,318 3.15 %Residential construction5,976 0.15 %4,561 0.13 %Residential35,739 0.92 %32,774 0.93 %Farmland57,572 1.48 %47,241 1.34 %Commercial:Secured191,170 4.91 %170,548 4.82 %Unsecured38,658 0.99 %27,558 0.78 %Consumer and other278,209 7.15 %279,584 7.90 %Loans held for investment, gross3,889,549 100.00 %3,534,606 99.91 %Loans held for sale:Commercial— — %3,247 0.09 %Total loans, gross3,889,549 100.00 %3,537,853 100.00 %Net deferred loan fees(2,290)(1,920)Total loans$3,887,259 $3,535,933 

Commercial real estate loans consist of term loans secured by a mortgage lien on the real property, such as office and industrial buildings, manufactured home communities, self-storage facilities, hospitality properties, faith-based properties, retail shopping centers, and apartment buildings, as well as commercial real estate construction loans that are offered to builders and developers.

Commercial land and development and commercial construction loans consist of loans made to fund commercial land acquisition and development and commercial construction, respectively. The real estate purchased with these loans is generally located in or near our market.

Residential real estate and construction real estate loans consist of loans secured by single-family and multifamily residential properties, which are both owner-occupied and investor-owned.

Farmland loans consist of loans used to purchase,