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

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 25
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 Company’s loans for accuracy of risk grades whenever new information is received. Borrowers are generally required to submit financial information at regular intervals. Typically, commercial borrowers with lines of credit are required to submit financial information with reporting intervals generally ranging from monthly to annually depending on credit size, risk, and complexity. All commercial borrowers with loans exceeding a certain dollar threshold are usually required to submit financials annually for review, which includes business financial statements, rent rolls, property income statements, and tax returns. Management monitors construction loans monthly and reviews consumer loans based on delinquency. Management also reviews loans graded “watch” or worse, regardless of loan type, no less than quarterly.

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Table 4.3 shows the age analysis of past due loans by class as of the dates shown.Table 4.3: Age Analysis of Past Due Loans by Class(in thousands)Past Due30-59 Days60-89 DaysGreater Than 90 DaysTotal Past DueCurrentTotal Loans ReceivableSeptember 30, 2025Real estate:Commercial$— $— $— $— $3,141,402 $3,141,402 Commercial land and development— — — — 931 931 Commercial construction— — — — 136,623 136,623 Residential construction— — — — 5,913 5,913 Residential— — — — 35,764 35,764 Farmland— — — — 57,535 57,535 Commercial:Secured1,217 48 — 1,265 190,781 192,046 Unsecured— — — — 38,689 38,689 Consumer and other71 6 — 77 278,279 278,356 Total$1,288 $54 $— $1,342 $3,885,917 $3,887,259 December 31, 2024Real estate:Commercial$— $— $— $— $2,854,531 $2,854,531 Commercial land and development— — — — 3,854 3,854 Commercial construction— — — — 111,033 111,033 Residential construction— — — — 4,560 4,560 Residential—