Five Star Bank (Roseville, CA)
BankRegReports is independent of Five Star Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Five Star Bank is an FDIC-insured commercial bank headquartered in Roseville, CA, established in 1999 (FDIC certificate 35361), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.38B, up 21.9% from Q2 2025, the 22nd largest of 113 banks headquartered in California. Its CET1 capital ratio was 11.11% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35361
- Headquarters
- Roseville, CA
- Established
- 1999
- Total assets, Q2 2026
- $5.38B
- Assets vs Q2 2025
- +21.9%
- CET1 ratio, Q2 2026
- 11.11%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 121143037
- Holding company
- FIVE STAR BANCORP
- Asset rank in state
- 22nd of 113 in California
Five Star Bank runs leaner than most banks of its size. Its balance sheet stood at $5.4 billion at June 30, 2026, up 21.9% from a year earlier; it is based in Roseville, California. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds about half of its deposits (59%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Earnings jumped: net income for the quarter was $21 million, 31% above the same quarter a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.30% of loans, against 0.06% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 5.4 times its capital, 2.4 times the median of 2.2 times for banks its size.
As of June 30, 2026, Five Star Bank reported a CET1 capital ratio of 11.11%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.32%. The figures come from its call report filed with the FFIEC.
Five Star Bank ranks as the 22nd largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.9% to $5.38B, loans rose 7.3% and deposits rose 7.4%. Non-owner-occupied commercial real estate loans made up 35.4% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 30.7%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities in CA; its Roseville office books 39% of its branch deposits. Judged on its Q2 2026 call report, Five Star Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2240 Douglas Blvd, Roseville, CA 95661
- County
- Placer
- Metro Area
- Sacramento-Roseville-Folsom, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 20, 1999
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 256
- Domestic deposits
- $4.81B
- Allowance for credit losses
- $47.3M
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $5.23B
- Average total loans
- $4.33B
- Average interest-bearing deposits
- $3.48B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1999
- FDIC Cert
- 35361
- Fed RSSD
- 2867337
- SEC CIK
- 1275168 → filed by FIVE STAR BANCORP
- Website
- www.fivestarbank.com →
- Parent Holding Company
- FIVE STAR BANCORP (RSSD 3162927) · FSBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Beckwith James Eugene | CEO | President & CEO |
| Cooper Clifford Aaron | PRES | EVP, Food & Ag President |
| Luck Heather Christina | CFO | EVP, Chief Financial Officer |
| Ramirez-Medina Lydia Ann | COO | EVP, Chief Operating Officer |
| Wait Brett Levi | CIO | SVP, Chief Information Officer |
| Dalton John William | CCO | SVP, Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Five Star Bank's total assets ranged from $3.48B (Q1 2024) to $5.38B (Q2 2026), 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
$5.38B total assets against $4.41B; $4.85B total liabilities against $3.94B.
$4.47B net loans and leases against $3.72B; $4.81B total deposits against $3.90B.
$92.7M securities against $97.6M; $685.1M cash and balances due against $484.7M.
$72.7M total interest income against $61.1M; $25.1M total interest expense against $22.9M.
$47.6M net interest income against $38.2M.
$1.8M total noninterest income against $1.6M; $19.0M total noninterest expense against $15.2M.
$2.2M provision for credit losses against $2.5M.
$21.0M net income against $16.0M.
1.60% return on assets against 1.50%; 3.71% net interest margin against 3.65%.
11.11% CET1 capital ratio against 12.29%; 10.25% tier 1 leverage ratio against 11.35%.
Inside the full Five Star 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Five Star Bank rankings
Its closest position to the top of a national ranking is 38 of 980, for uninsured deposits; its furthest is 1,929 of 2,134, for CET1 ratio.
Metric pages for Five Star Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q3 2024) to 1.64% (Q1 2026) and its net interest margin ran from 3.52% (Q4 2024) to 3.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.11% | 1.60% | 0.30% | 2.32% | 3.71% |
| Q1 2026 | 11.67% | 1.64% | 0.07% | 0.51% | 3.80% |
| Q4 2025 | 11.89% | 1.63% | 0.08% | 0.57% | 3.81% |
| Q3 2025 | 12.13% | 1.58% | 0.05% | 0.40% | 3.71% |
| Q2 2025 | 12.29% | 1.50% | 0.06% | 0.45% | 3.65% |
| Q1 2025 | 12.48% | 1.41% | 0.05% | 0.37% | 3.53% |
| Q4 2024 | 12.61% | 1.44% | 0.05% | 0.38% | 3.52% |
| Q3 2024 | 12.52% | 1.32% | 0.05% | 0.40% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Five Star Bank (main office) | Roseville , CA | 95661 | $1.87B |
| Five Star Bank - Rancho Cordova Office Branch | Rancho Cordova , CA | 95670 | $715.9M |
| San Francisco Branch | San Francisco , CA | 94104 | $690.0M |
| Five Star Bank - Natomas Office Branch | Sacramento , CA | 95834 | $610.9M |
| Five Star Bank - Elk Grove Banking Office Branch | Elk Grove , CA | 95758 | $384.7M |
| Five Star Bank - Redding Office Branch | Redding , CA | 96002 | $203.8M |
| Five Star Bank Yuba City Office Branch | Yuba City , CA | 95993 | $172.2M |
| Five Star Bank - Chico Office Branch | Chico , CA | 95973 | $121.3M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $38.4M |
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 |
|---|---|---|---|
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2005 | Structure Change | Acquired Five Star Bank Natomas 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.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- March 25, 2022, SEC Form 8-K: 8-K Item 5.02: written agreement
- Period: Most recent institution action March 25, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CA, rank 36 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 126 applications, 114 loans originated, $285.0M originated, across 30 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.3M approved, $384K 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
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Five Star Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Five Star Bank
What are Five Star Bank's total assets?
As of the Q2 2026 filing, Five Star Bank reported total assets of $5.38 billion in its FFIEC call report.
Where is Five Star Bank headquartered?
It is headquartered in Roseville, CA, United States.
When was Five Star Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Five Star Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Five Star Bank?
Five Star Bank's primary federal regulator is the FDIC.
What is Five Star Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does Five Star Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Five Star Bank's Texas Ratio?
Its Texas Ratio is 2.32% 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.
Go deeper on Five Star Bank.
Get an email when Five Star Bank files its next call report, and benchmark it against any peer you choose.
Unlock Five Star Bank, freeFree account