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  <xs:element id="fsbc_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_OtherReceivablesRollForward" abstract="true" name="OtherReceivablesRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_PropertyManagementFeesExpenses" abstract="false" name="PropertyManagementFeesExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_ShareBasedPaymentArrangementExecutivesAndDirectorsMember" abstract="true" name="ShareBasedPaymentArrangementExecutivesAndDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_ShareBasedPaymentArrangementExecutivesMember" abstract="true" name="ShareBasedPaymentArrangementExecutivesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_ShareBasedPaymentArrangementDirectorsMember" abstract="true" name="ShareBasedPaymentArrangementDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_EquityIncentivePlanMember" abstract="true" name="EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_PerformanceBasedRestrictedStockUnitsPSUsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsPSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationPerformancePercentilePositionAxis" abstract="true" name="ShareBasedCompensationPerformancePercentilePositionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationPercentilePositionDomain" abstract="true" name="ShareBasedCompensationPercentilePositionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_A60thPercentileMember" abstract="true" name="A60thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_A70thPercentileMember" abstract="true" name="A70thPercentileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_A80thPercentileOrHigherMember" abstract="true" name="A80thPercentileOrHigherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsAwardPayoutsPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsAwardPayoutsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetAwardGrantPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetAwardGrantPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsTargetAwardNumberOfSharesExpectedToVest" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsTargetAwardNumberOfSharesExpectedToVest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="fsbc_ShareBasedPaymentArrangementNonvestedAwardExcludingOptionCostNotYetRecognizedAmountExpected" abstract="false" name="ShareBasedPaymentArrangementNonvestedAwardExcludingOptionCostNotYetRecognizedAmountExpected" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsUnvestedWeightedAverageRemainingTerm" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsUnvestedWeightedAverageRemainingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fsbc_CommercialLinesOfCreditMember" abstract="false" name="CommercialLinesOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedCommercialRealEstateLoansMember" abstract="false" name="UndisbursedCommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedConstructionLoansMember" abstract="false" name="UndisbursedConstructionLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_AgriculturalLinesOfCreditMember" abstract="false" name="AgriculturalLinesOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedResidentialRealEstateLoansMember" abstract="true" name="UndisbursedResidentialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedAgriculturalRealEstateLoansMember" abstract="false" name="UndisbursedAgriculturalRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_OtherCommitmentsMember" abstract="false" name="OtherCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_SacramentoAdministrativeOfficeLeaseMaturityMay2026Member" abstract="true" name="SacramentoAdministrativeOfficeLeaseMaturityMay2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_TemporaryAdministrativeOfficeInSanFranciscoMember" abstract="true" name="TemporaryAdministrativeOfficeInSanFranciscoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_RealEstateRelatedLoansPercentage" abstract="false" name="RealEstateRelatedLoansPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMoreNumberOfDepositRelationships" abstract="false" name="Deposits5MillionOrMoreNumberOfDepositRelationships" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMorePerDeposit" abstract="false" name="Deposits5MillionOrMorePerDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMoreAmount" abstract="false" name="Deposits5MillionOrMoreAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_PercentageOfDepositsOver5MillionToDeposits" abstract="false" name="PercentageOfDepositsOver5MillionToDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_LargestSingleDeposit" abstract="false" name="LargestSingleDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_PercentageOfLargestSingleDepositToDeposits" abstract="false" name="PercentageOfLargestSingleDepositToDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_EquityMethodInvestmentRemainingCommitmentAmount" abstract="false" name="EquityMethodInvestmentRemainingCommitmentAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_LesseeOperatingLeaseLiabilityToBePaidDiscountForPresentValue" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidDiscountForPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_CommonEquityTierRequiredToBeCategorizedWellCapitalizedAmount" abstract="false" name="CommonEquityTierRequiredToBeCategorizedWellCapitalizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_CommonEquityTierRequiredToBeCategorizedWellCapitalizedRatioAsPercent" abstract="false" name="CommonEquityTierRequiredToBeCategorizedWellCapitalizedRatioAsPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fsbc_SellingAndCommissionCostsPercentOfProfit" abstract="false" name="SellingAndCommissionCostsPercentOfProfit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fsbc_FinancialAssetsRecordedAtAmortizedCostAbstract" abstract="true" name="FinancialAssetsRecordedAtAmortizedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_TimeDepositAtFairValueDisclosure" abstract="false" name="TimeDepositAtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_FinancialLiabilitiesRecordedAtAmortizedCostAbstract" abstract="true" name="FinancialLiabilitiesRecordedAtAmortizedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fsbc_InvestmentInBankingSubsidiary" abstract="false" name="InvestmentInBankingSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
