Five Star Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets climbed 8.2% in Q2 2026, from $4.46B to $4.83B. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Five Star Bank is 4th from the bottom among 74 California banks, 11.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Five Star Bank sits 2.38 points lower, at 11.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.11% |
| Tier 1 risk-based capital ratio | 11.11% |
| Total risk-based capital ratio | 12.12% |
| Tier 1 leverage ratio | 10.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $536.5M |
| Tier 1 capital | $536.5M |
| Total risk-based capital | $584.9M |
| Total equity capital | $528.1M |
| Risk-weighted assets | $4.83B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.09% |
| Internal capital growth rate | 12.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $330.0M |
| Common stock surplus | $0 |
| Retained earnings | $207.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.96% | 10.96% | 11.97% | 10.37% | $3.21B |
| Q4 2023 | 10.95% | 10.95% | 11.93% | 10.52% | $3.29B |
| Q1 2024 | 10.94% | 10.94% | 11.94% | 10.33% | $3.33B |
| Q2 2024 | 13.03% | 13.03% | 14.01% | 12.76% | $3.48B |
| Q3 2024 | 12.52% | 12.52% | 13.52% | 12.41% | $3.66B |
| Q4 2024 | 12.61% | 12.61% | 13.58% | 11.50% | $3.72B |
| Q1 2025 | 12.48% | 12.48% | 13.50% | 11.52% | $3.79B |
| Q2 2025 | 12.29% | 12.29% | 13.30% | 11.35% | $3.94B |
| Q3 2025 | 12.13% | 12.13% | 13.15% | 11.01% | $4.09B |
| Q4 2025 | 11.89% | 11.89% | 12.92% | 10.89% | $4.29B |
| Q1 2026 | 11.67% | 11.67% | 12.73% | 10.66% | $4.46B |
| Q2 2026 | 11.11% | 11.11% | 12.12% | 10.25% | $4.83B |
Five Star Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Star Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Five Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35361) · FFIEC NIC profile (RSSD 2867337)