Roseville, CA · Cert 35361 · Five Star Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Sacramento-Roseville-Folsom, CA · 2026 SOD (annual) · 3.7% share · #6 of 37 inst. · $3.6B of $96.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.47% | 1.39% | 1.48% | 1.57% | 1.63% | 1.64% | 1.61% | +13 bps | |
| Return on Equity | 11.00% | 12.93% | 12.59% | 13.71% | 14.84% | 15.47% | 15.85% | 16.12% | +241 bps | |
| Net Interest Margin | 3.47% | 3.46% | 3.47% | 3.58% | 3.64% | 3.73% | 3.73% | 3.64% | +6 bps | |
| Efficiency Ratio | 39.87% | 38.11% | 39.81% | 38.30% | 37.55% | 38.15% | 36.18% | 38.39% | +9 bps | |
| Non-Interest Burden | 1.33% | 1.25% | 1.31% | 1.28% | 1.26% | 1.36% | 1.29% | 1.31% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.04% | 12.96% | 22.07% | 21.41% | 19.38% | 17.26% | 18.58% | 21.88% | +47 bps | |
| Loan Growth (YoY) | 14.71% | 14.31% | 16.38% | 14.88% | 12.24% | 15.24% | 16.25% | 20.26% | +538 bps | |
| Deposit Growth (YoY) | 12.07% | 17.48% | 26.36% | 23.59% | 20.64% | 18.02% | 19.59% | 23.20% | -39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.05% | 0.06% | 0.05% | 0.08% | 0.07% | 0.30% | +23 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.15% | 0.08% | 0.16% | 0.06% | 0.03% | 0.05% | 0.09% | -6 bps | |
| Allowance / Loans | 1.09% | 1.07% | 1.08% | 1.07% | 1.08% | 1.09% | 1.10% | 1.05% | -2 bps | |
| Allowance Coverage of NPLs | 20.4x | 21.0x | 22.2x | 17.6x | 19.7x | 14.3x | 16.5x | 3.5x | -14.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.41% | 11.50% | 11.52% | 11.35% | 11.01% | 10.89% | 10.66% | 10.25% | -110 bps | |
| Total Risk-Based Capital | 13.52% | 13.58% | 13.50% | 13.30% | 13.15% | 12.92% | 12.73% | 12.12% | -118 bps | |
| Equity / Assets | 11.54% | 11.24% | 10.88% | 10.72% | 10.48% | 10.54% | 10.17% | 9.82% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.60% | 99.13% | 96.75% | 96.27% | 94.53% | 96.80% | 94.04% | 93.97% | -230 bps | |
| Liquid Assets / Assets | 5.48% | 8.03% | 9.82% | 9.83% | 11.61% | 10.00% | 11.93% | 11.93% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 663% | 668% | 681% | n/a | n/a | |