5STAR Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 5STAR Bank of Colorado Springs, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.25% | +0.59% | 80th top |
| ROAE | 10.42% | 13.17% | -2.75% | 38th below |
| Net Interest Margin | 5.21% | 3.95% | +1.26% | 95th top |
| Efficiency Ratio | 53.54% | 61.50% | -7.96% | 73rd above |
| PPNR / Avg Assets | 2.43% | — | — | 87th top |
| Yield on Earning Assets | 6.86% | 5.67% | +1.19% | 93rd top |
| Cost of Funds | 1.93% | 1.87% | +0.06% | 41st below |
| Net Interest Spread | 4.30% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.12% | 0.93% | +1.19% | 12th bottom |
| NPA / Total Assets | 2.08% | — | — | 7th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| ACL / NPLs (Coverage) | 55.79% | — | — | 13th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.85% | 6.06% | -3.21% | 48th below |
| Provision / NCO | -65.38% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.24% | 11.75% | +5.49% | 93rd top |
| Equity / Assets | 17.02% | 10.98% | +6.04% | 93rd top |
| TCE / Tangible Assets | 16.86% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.24% | 80.44% | +16.80% | 15th bottom |
| Core Deposit Ratio | 95.12% | 86.95% | +8.17% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.82% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -9.23% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | -10.97% | — | — | 1st bottom |
See 5STAR Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 5STAR Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 5STAR Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the 5STAR Bank peer analysis.