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
Unfavorable gap of $65.9M · efficiency ratio beats 97% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.93% | 1.23% | 1.54% | Beats 74% | 66 / 258 | |
| Return on Equity | 15.54% | 9.26% | 11.84% | 14.74% | Beats 79% | 54 / 258 | |
| Net Interest Margin | 3.56% | 3.16% | 3.49% | 3.88% | Beats 55% | 115 / 258 | |
| Efficiency Ratio | 37.32% | 51.71% | 60.30% | 69.65% | Beats 97% | 9 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.19% | 0.46% | 0.90% | Beats 62% | 99 / 258 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 34% | 171 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.11% | 11.41% | 12.98% | 15.12% | Beats 23% | 199 / 258 | |
| Total Risk-Based Capital Ratio | 12.12% | 12.10% | 13.91% | 16.08% | Beats 25% | 193 / 258 | |
| Equity / Assets | 9.82% | 9.09% | 10.24% | 11.72% | Beats 42% | 149 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 93.97% | 73.24% | 86.34% | 95.95% | 70th pctl | 77 / 258 | |
| Loans / Assets | 84.06% | 63.01% | 72.27% | 78.40% | 92nd pctl | 20 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |