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5STAR Bank

Colorado Springs, CO · Cert 91005 · Little London Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=581 to 629). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

86

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

5STAR Bank

Colorado Springs, CO · Cert 91005 · Little London Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$378.2MAssets
$303.5MLoans
$312.1MDeposits
$64.4MEquity
Loan mix
88%RE $272.9M12%C&I $37.2M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $235.8M24%Noninterest $76.3MQ2 2025Q2 2026

NIM

6.47%Q2 ’246.54%Q2 ’256.73%Q2 ’26+7%+13%

Non-interest income vs. expense

3.39%Q2 ’242.69%Q2 ’252.75%Q2 ’26-22%+5%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 2.3% share · #9 of 41 inst. · $0.2B of $10.7B

2.4% El Paso
0.3% Arapahoe
1.3% Las Animas

Executive Summary

  • Earnings: ROA of 1.86%, up 43 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 0.16% of loans (-59 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 17.24%, up 139 bps from a year ago.
  • Funding: loans stand at 97.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+43 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+59 bps YoY

Efficiency Ratio (YTD, annualized)

52.02%-305 bps YoY

Tier 1 Leverage Ratio

17.24%+139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.13%1.19%1.92%1.86%+43 bps
Return on Equity9.05%7.06%7.34%11.07%10.81%+177 bps
Net Interest Margin4.55%4.64%4.74%5.28%5.14%+59 bps
Efficiency Ratio55.07%55.53%57.55%50.27%52.02%-305 bps
Non-Interest Burden2.50%2.58%2.66%2.60%2.62%+12 bps
Growth
Asset Growth (YoY)10.52%8.69%1.88%4.29%-8.82%-1,934 bps
Loan Growth (YoY)5.99%-0.34%0.56%-4.19%-9.23%-1,522 bps
Deposit Growth (YoY)10.68%8.71%0.55%3.11%-10.97%-2,166 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.60%1.01%0.62%0.16%-59 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.07%+7 bps
Allowance / Loans1.21%1.20%1.20%1.21%1.18%-2 bps
Allowance Coverage of NPLs1.6x2.0x1.2x1.9x7.3x+5.7x
Capital
Tier 1 Leverage Ratio15.86%16.01%16.48%18.55%17.24%+139 bps
Total Risk-Based Capital15.86%16.01%16.48%18.55%17.24%+139 bps
Equity / Assets15.08%16.40%17.38%17.32%17.02%+195 bps
Liquidity & Funding
Loans / Deposits95.37%97.10%100.93%97.46%97.24%+187 bps
Liquid Assets / Assets10.94%10.66%10.19%12.17%12.11%+117 bps
CRE / Total Capitaln/a317%307%301%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

5STAR Bank

Colorado Springs, CO · Cert 91005 · Peer group: banks under $1B in assets (n=581-629) · Little London Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$378.2MAssets
$303.5MLoans
$312.1MDeposits
$64.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 21 of 629).
  • Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets (rank 389 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.88%

Rank 88 of 629

Net Interest Margin

5.14%

Rank 21 of 629

Efficiency Ratio

52.21%

Rank 86 of 629

Equity / Assets

17.02%

Rank 107 of 629

Non-interest income vs. expense

$0.5M$10.2MINCOMEEXPENSE
Unfavorable gap of $9.7M · efficiency ratio beats 86% of banks under $1B in assets
Bank 52.21%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.60%1.01%1.45%Beats 86%88 / 629
Return on Equity11.04%5.38%9.30%13.28%Beats 61%247 / 629
Net Interest Margin5.14%3.03%3.54%4.05%Beats 97%21 / 629
Efficiency Ratio52.21%58.35%67.79%79.08%Beats 86%86 / 629
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.46%1.20%Beats 68%187 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 33%389 / 581
Capital
Tier 1 Capital Ratio17.24%11.24%13.84%18.77%Beats 70%187 / 629
Total Risk-Based Capital Ratio17.24%11.58%14.43%19.66%Beats 68%202 / 629
Equity / Assets17.02%9.09%10.65%13.80%Beats 83%107 / 629
Liquidity & Funding
Loans / Deposits97.24%67.24%80.90%93.48%82nd pctl109 / 594
Loans / Assets80.24%53.31%67.71%78.15%81st pctl117 / 629
Brokered Deposits / Depositsn/aNot reported for this institution