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
Unfavorable gap of $9.7M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.60% | 1.01% | 1.45% | Beats 86% | 88 / 629 | | |
| Return on Equity | 11.04% | 5.38% | 9.30% | 13.28% | Beats 61% | 247 / 629 | | |
| Net Interest Margin | 5.14% | 3.03% | 3.54% | 4.05% | Beats 97% | 21 / 629 | | |
| Efficiency Ratio | 52.21% | 58.35% | 67.79% | 79.08% | Beats 86% | 86 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 68% | 187 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 33% | 389 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 17.24% | 11.24% | 13.84% | 18.77% | Beats 70% | 187 / 629 | | |
| Total Risk-Based Capital Ratio | 17.24% | 11.58% | 14.43% | 19.66% | Beats 68% | 202 / 629 | | |
| Equity / Assets | 17.02% | 9.09% | 10.65% | 13.80% | Beats 83% | 107 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.24% | 67.24% | 80.90% | 93.48% | 82nd pctl | 109 / 594 | | |
| Loans / Assets | 80.24% | 53.31% | 67.71% | 78.15% | 81st pctl | 117 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |