5STAR Bank
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Data as of · sourced from FFIEC call reports. How we update
5STAR Bank is an FDIC-insured commercial bank headquartered in Colorado Springs, CO, established in 1980 (FDIC certificate 91005), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $378.2M, down 8.8% from Q2 2025, the 28th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 91005
- Headquarters
- Colorado Springs, CO
- Established
- 1980
- Total assets, Q2 2026
- $378.2M
- Assets vs Q2 2025
- -8.8%
- Tier 1 leverage ratio, Q2 2026
- 17.24%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 307087713
- Holding company
- LITTLE LONDON BANCORP
- Asset rank in state
- 28th of 63 in Colorado
5STAR Bank earns an unusually wide margin on its lending. Its balance sheet stood at $378 million at June 30, 2026, down 8.8% from a year earlier; it is based in Colorado Springs, Colorado. It keeps 5.21 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 17.24% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Its $95 million non-owner-occupied commercial real estate book is now fully current, after 2.50% of it was past due or on nonaccrual a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 0.76%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, 5STAR Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 2.85%. The figures come from its call report filed with the FFIEC.
5STAR Bank ranks as the 28th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.7% to $378.2M, loans fell 2.5% and deposits fell 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.2% of total loans, ahead of 1-4 family residential loans at 22.8%. The FDIC Summary of Deposits lists 5 offices for it, in Colorado Springs, CO, Greenwood Village, CO and Trinidad, CO; its Colorado Springs 3 offices book 80% of its branch deposits. On its Q2 2026 call report, 5STAR Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Cascade Ave, Colorado Springs, CO 80903
- County
- El Paso
- Metro Area
- Colorado Springs, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 10, 1980
- Former names
- AFBA Industrial Bank (1990-2000); American Industrial Bank of Littleton (1988-1990); Littleton U.S. Industrial Bank (1985-1988)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $312.1M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $104K
- Average total assets
- $371.9M
- Average total loans
- $308.6M
- Average interest-bearing deposits
- $234.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 5, 1985
- FDIC Cert
- 91005
- Fed RSSD
- 455253
- SEC CIK
- 1613922 → filed by LITTLE LONDON BANCORP
- Website
- www.5star.bank →
- Parent Holding Company
- LITTLE LONDON BANCORP (RSSD 4754758)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, 5STAR Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 5STAR Bank's total assets ranged from $359.2M (Q3 2024) to $414.8M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$378.2M total assets against $414.8M; $313.8M total liabilities against $352.3M.
$299.9M net loans and leases against $330.3M; $312.1M total deposits against $350.6M.
$20.2M securities against $27.7M; $49.4M cash and balances due against $48.3M.
$6.3M total interest income against $6.9M; $1.5M total interest expense against $2.1M.
$4.8M net interest income against $4.8M.
$121K total noninterest income against $190K; $2.6M total noninterest expense against $2.8M.
$0 provision for credit losses against $230K.
$1.7M net income against $1.4M.
1.84% return on assets against 1.44%; 5.21% net interest margin against 4.86%.
17.24% tier 1 leverage ratio against 15.86%.
Inside the full 5STAR Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
5STAR Bank rankings
Its closest position to the top of a national ranking is 677 of 3,611, for ROA; its furthest is 1,906 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q3 2025) to 2.03% (Q1 2026) and its net interest margin ran from 4.77% (Q3 2024) to 5.37% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.24% | 1.84% | 0.16% | 2.85% | 5.21% |
| Q1 2026 | 18.55% | 2.03% | 0.62% | 2.75% | 5.37% |
| Q4 2025 | 16.48% | 1.33% | 1.01% | 4.60% | 5.00% |
| Q3 2025 | 16.01% | 0.51% | 0.60% | 2.83% | 4.87% |
| Q2 2025 | 15.86% | 1.44% | 0.76% | 3.84% | 4.86% |
| Q1 2025 | 16.91% | 1.44% | 0.33% | 1.65% | 4.79% |
| Q4 2024 | 16.67% | 1.37% | 0.49% | 2.40% | 4.90% |
| Q3 2024 | 16.08% | 1.44% | 0.03% | 0.16% | 4.77% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 5STAR Bank (main office) | Colorado Springs , CO | 80903 | $186.1M |
| Denver Dtc Branch | Greenwood Village , CO | 80111 | $58.9M |
| 5 Star Bank - Downtown Branch | Colorado Springs , CO | 80914 | $49.2M |
| 5STAR Bank (main office) | Colorado Springs , CO | 80921 | $13.3M |
| Trinidad Branch | Trinidad , CO | 81082 | $4.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1986 | Structure Change | Acquired Grand Junction U.S. Industrial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 53 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $63K approved, $63K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 5STAR Bank
What are 5STAR Bank's total assets?
As of the Q2 2026 filing, 5STAR Bank reported total assets of $378.2 million in its FFIEC call report.
Where is 5STAR Bank headquartered?
It is headquartered in Colorado Springs, CO, United States.
When was 5STAR Bank founded?
It was established in 1980, per the FDIC institution directory.
Is 5STAR Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #91005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 5STAR Bank?
5STAR Bank's primary federal regulator is the FDIC.
How many branches does 5STAR Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 5STAR Bank's Texas Ratio?
Its Texas Ratio is 2.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was 5STAR Bank previously called?
The charter now named 5STAR Bank has also operated as AFBA Industrial Bank (1990-2000), American Industrial Bank of Littleton (1988-1990), Littleton U.S. Industrial Bank (1985-1988), per FDIC structure-change records.
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