FIVE STAR BANK

ROSEVILLE, CA | Large | Est. Dec. 20, 1999, midnight | FDIC #35361 | RSSD #2867337 | FDIC
Latest Report: 2025-12-31

FIVE STAR BANK is aln large FDIC-insured commercial bank headquartered in ROSEVILLE, CA, established in Dec. 20, 1999, midnight. As of 2025-12-31, the bank reported total assets of $4.8B and total deposits of $4.2B. Profitability stands at 1.63% ROA and 15.47% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.57%. FDIC Certificate #35361.

Assets

$4.8B

Deposits

$4.2B

Loans

$4.1B

Equity

$501M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 15.47%
Net Interest Margin (NIM) 4.05%
Yield on Assets 6.20%
Cost of Funds 3.33%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.57%
NPA Ratio 0.07%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 12.92%
Leverage Ratio 10.89%
Loan-to-Deposit 96.80%

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