HIGHBuilt-inLoan_portfolio
86.07%
real estate related loans
“10-K Item 1: 'we have a high concentration of real estate related loans, which represented approximately 86.07% of total loans before deferred fees at December 31, 2025'”
FSBC · Concentration risk · 10-K extracted
Five Star Bancorp (FSBC) concentration risks
Updated
The most significant concentration Five Star Bancorp discloses is real estate related loans at 86.07%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Five Star Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH3
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
81.08%
commercial real estate loans
“10-K Item 1: 'As of December 31, 2025, we had $3.3 billion in total commercial real estate loans, representing 81.08% of total loans before deferred fees'”
HIGHBuilt-inGeographic
56.89%
California
“10-K Item 1: 'approximately 56.89% of our real estate loans measured by dollar amount were secured by collateral located in California, a majority of which is in Northern California'”
MEDIUMOutside partyLoan_portfolio
47.82%
top 53 deposit relationships
“10-K Item 1: 'our 53 largest deposit relationships, each accounting for more than $10.0 million, totaled $2.0 billion, or 47.82% of our total deposits'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Five Star Bancorp's concentration profile is dominated by real estate. Real estate related loans represented approximately 86.07% of total loans before deferred fees at December 31, 2025, with commercial real estate loans alone — $3.3 billion — making up 81.08% of that total. Geographically, approximately 56.89% of real estate loans by dollar amount were secured by collateral in California, mostly Northern California. All three are structural, high-share exposures baked into the bank's core lending strategy rather than dependencies on individual counterparties, but their overlap is significant: a downturn concentrated in California commercial real estate would touch the large majority of the loan book simultaneously, which is the exposure most likely to move the verdict. Separately, the bank's 53 largest deposit relationships, each over $10.0 million, totaled $2.0 billion, or 47.82% of total deposits — a medium-share dependency exposure on the funding side. Together, the picture is a bank whose asset side is heavily and geographically concentrated in real estate, layered with a moderately concentrated deposit base. Disclosed in the most recent 10-K.
For the engine’s reasoning on FSBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| FSBC● | Five Star Bancorp | 3 | 1 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.