Company: FSBC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050090
Chunk: 167

Company: FIVE STAR BANCORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 167
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486 22,045 919 32,774 Farmland— 6,632 40,609 — 47,241 Commercial:Secured56,630 46,722 70,035 408 173,795 Unsecured2,500 10,552 14,506 — 27,558 Consumer and other161 13,964 265,459 — 279,584 Total$110,418 $515,529 $2,834,820 $77,086 $3,537,853 

50

Table 17 sets forth the sensitivity to interest rate changes of our loan portfolio as of the dates shown. 

Table 17: Sensitivity to Interest Rates - Gross Loans(dollars in thousands)Fixed Interest RatesFloating or Adjustable RatesTotalSeptember 30, 2025Real estate:Commercial$657,581 $2,486,722 $3,144,303 Commercial land and development177 757 934 Commercial construction— 136,988 136,988 Residential construction— 5,976 5,976 Residential6,608 29,131 35,739 Farmland4,667 52,905 57,572 Commercial:Secured49,585 141,585 191,170 Unsecured28,600 10,058 38,658 Consumer and other278,022 187 278,209 Total $1,025,240 $2,864,309 $3,889,549 December 31, 2024Real estate:Commercial$587,825 $2,269,348 $2,857,173 Commercial land and development1,416 2,433 3,849 Commercial construction— 111,318 111,318 Residential construction— 4,561 4,561 Residential4,495 28,279 32,774 Farmland4,873 42,368 47,241 Commercial:Secured48,587 125,208 173,795 Unsecured19,988 7,570 27,558 Consumer and other279,458 126 279,584 Total$946,642 $2,591,211 $3,537,853 

Asset Quality

We manage the quality of our loans based upon trends at the overall loan portfolio level