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Five Star Bank

Roseville, CA · Cert 35361 · Five Star Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Five Star Bank

Roseville, CA · Cert 35361 · Five Star Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$5.4BAssets
$4.5BLoans
$4.8BDeposits
$528.1MEquity
Loan mix
87%RE $3.7B6%C&I $0.3B7%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $3.6B25%Noninterest $1.2BQ2 2025Q2 2026

NIM

5.50%Q2 ’245.56%Q2 ’255.39%Q2 ’26+4%+3%

Non-interest income vs. expense

1.40%Q2 ’241.40%Q2 ’251.37%Q2 ’26+0%-1%

Market Position · Sacramento-Roseville-Folsom, CA · 2026 SOD (annual) · 3.7% share · #6 of 37 inst. · $3.6B of $96.6B

13.0% Placer
2.3% Sacramento
0.2% San Francisco
4.5% Shasta

Executive Summary

  • Earnings: ROA of 1.62%, up 19 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.30% of loans (+23 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.25%, down 110 bps from a year ago.
  • Funding: loans stand at 93.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+10 bps YoY

Efficiency Ratio (YTD, annualized)

37.32%-171 bps YoY

Tier 1 Leverage Ratio

10.25%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.48%1.52%1.64%1.62%+19 bps
Return on Equity13.14%13.71%14.16%15.85%15.97%+283 bps
Net Interest Margin3.46%3.40%3.38%3.73%3.56%+10 bps
Efficiency Ratio39.02%38.50%38.40%36.18%37.32%-171 bps
Non-Interest Burden1.27%1.22%1.22%1.29%1.26%-1 bps
Growth
Asset Growth (YoY)21.41%19.38%17.26%18.58%21.88%+47 bps
Loan Growth (YoY)14.88%12.24%15.24%16.25%20.26%+538 bps
Deposit Growth (YoY)23.59%20.64%18.02%19.59%23.20%-39 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.08%0.07%0.30%+23 bps
Net Charge-Offs / Loans0.12%0.10%0.08%0.05%0.07%-4 bps
Allowance / Loans1.07%1.08%1.09%1.10%1.05%-2 bps
Allowance Coverage of NPLs17.6x19.7x14.3x16.5x3.5x-14.1x
Capital
Tier 1 Leverage Ratio11.35%11.01%10.89%10.66%10.25%-110 bps
Total Risk-Based Capital13.30%13.15%12.92%12.73%12.12%-118 bps
Equity / Assets10.72%10.48%10.54%10.17%9.82%-90 bps
Liquidity & Funding
Loans / Deposits96.27%94.53%96.80%94.04%93.97%-230 bps
Liquid Assets / Assets9.83%11.61%10.00%11.93%11.93%+210 bps
CRE / Total Capitaln/a663%668%681%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Five Star Bank

Roseville, CA · Cert 35361 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Five Star Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$5.4BAssets
$4.5BLoans
$4.8BDeposits
$528.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 9 of 257).
  • Widest gap: tier 1 capital ratio trails 77% of banks $1B-$10B in assets operating in a single state (rank 199 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 66 of 258

Net Interest Margin

3.56%

Rank 115 of 258

Efficiency Ratio

37.32%

Rank 9 of 257

Equity / Assets

9.82%

Rank 149 of 258

Non-interest income vs. expense

$5.7M$71.6MINCOMEEXPENSE
Unfavorable gap of $65.9M · efficiency ratio beats 97% of banks $1B-$10B in assets operating in a single state
Bank 37.32%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.93%1.23%1.54%Beats 74%66 / 258
Return on Equity15.54%9.26%11.84%14.74%Beats 79%54 / 258
Net Interest Margin3.56%3.16%3.49%3.88%Beats 55%115 / 258
Efficiency Ratio37.32%51.71%60.30%69.65%Beats 97%9 / 257
Asset Quality
Nonperforming Loans / Loans0.30%0.19%0.46%0.90%Beats 62%99 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 34%171 / 258
Capital
Tier 1 Capital Ratio11.11%11.41%12.98%15.12%Beats 23%199 / 258
Total Risk-Based Capital Ratio12.12%12.10%13.91%16.08%Beats 25%193 / 258
Equity / Assets9.82%9.09%10.24%11.72%Beats 42%149 / 258
Liquidity & Funding
Loans / Deposits93.97%73.24%86.34%95.95%70th pctl77 / 258
Loans / Assets84.06%63.01%72.27%78.40%92nd pctl20 / 258
Brokered Deposits / Depositsn/aNot reported for this institution