Five Star Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Five Star Bank of Roseville, CA against its peer group of 941 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 | 1.60% | 1.34% | +0.26% | 70th above |
| ROAE | 16.12% | 12.40% | +3.72% | 76th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.83% | -0.12% | 50th above |
| Efficiency Ratio | 38.35% | 57.84% | -19.49% | 94th top |
| PPNR / Avg Assets | 2.33% | — | — | 82nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.14% | 2.02% | +0.12% | 41st below |
| Net Interest Spread | 2.74% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 1.00% | -0.70% | 73rd above |
| NPA / Total Assets | 0.25% | — | — | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 29th below |
| ACL / Total Loans | 1.05% | — | — | 37th below |
| ACL / NPLs (Coverage) | 354.57% | — | — | 74th above |
| Texas Ratio | 2.32% | 5.47% | -3.15% | 65th above |
| Provision / NCO | 280.17% | — | — | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.11% | 14.99% | -3.88% | 12th bottom |
| Tier 1 Ratio | 11.11% | 15.02% | -3.91% | 11th bottom |
| Total Capital Ratio | 12.12% | — | — | 11th bottom |
| Leverage Ratio | 10.25% | 11.11% | -0.86% | 44th below |
| Equity / Assets | 9.82% | 11.02% | -1.20% | 39th below |
| TCE / Tangible Assets | 9.80% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.97% | 86.99% | +6.98% | 33rd below |
| Core Deposit Ratio | 94.24% | 85.57% | +8.67% | 80th top |
| Uninsured Deposit Ratio | 59.15% | 33.19% | +25.96% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.88% | — | — | 91st top |
| Loan Growth (Y/Y) | 20.26% | — | — | 91st top |
| Deposit Growth (Y/Y) | 23.20% | — | — | 92nd top |
See Five Star Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Five Star 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 Five Star 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 Five Star Bank peer analysis.