BlastPoint's Banking Scorecard
Five Star Bank
Community
Specialty: Commercial
CA
FDIC cert 35361
Roseville, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Five Star Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22% in Community
- + Efficiency Ratio 24.23% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+17.3% YoY
+2.4% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$4.0B
+15.2% YoY
+4.8% QoQ
|
+$3.1B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.2B
+18.0% YoY
+2.4% QoQ
|
+$3.0B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.52%
+11.7% YoY
+2.7% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.71%
+5.7% YoY
+1.6% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
38.40%
-3.1% YoY
-0.2% QoQ
|
-24.23% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.08%
+49.4% YoY
+38.7% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
95.74%
-2.4% YoY
+2.4% QoQ
|
+12.68% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
25.97%
-0.6% YoY
-0.0% QoQ
|
+4.92% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.07%
+40.1% YoY
+41.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
11.89%
-5.6% YoY
-2.0% QoQ
|
+1.65% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.12%
+15.8% YoY
+22.7% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#81 of 371 · Top 22% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
38.40%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Credit Quality Pressure
risk
#46 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Loans
Current: $4.0B · Tier avg: $975.5M
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
96
96th pctile
Efficiency Ratio
Current: 38.40% · Tier avg: 62.63%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.97% · Tier avg: 21.05%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 10.24%
21
21th pctile
Loan-to-Deposit Ratio
Current: 95.74% · Tier avg: 83.06%
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
21
21th pctile
Loan-to-Deposit Ratio
Current: 95.74% · Tier avg: 83.06%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 10.24%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.97% · Tier avg: 21.05%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
96
96th pctile
Efficiency Ratio
Current: 38.40% · Tier avg: 62.63%
99
99th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B
100
100th pctile
Total Loans
Current: $4.0B · Tier avg: $975.5M