BlastPoint's Banking Scorecard
5Star Bank
Micro
Specialty: Commercial
CO
FDIC cert 91005
Designations: ✓ Community bank
Colorado Springs, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
5Star Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.17% above tier
- + Loan-to-Deposit Ratio 25.19% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$376.7M
+1.9% YoY
-3.5% QoQ
|
+$159.2M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$309.0M
+0.6% YoY
-1.0% QoQ
|
+$169.8M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$309.9M
+0.5% YoY
-4.7% QoQ
|
+$126.2M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.19%
+6.0% YoY
+5.7% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
5.02%
+6.7% YoY
+1.7% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
57.55%
-13.3% YoY
+3.6% QoQ
|
-10.18% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
1.02%
+106.5% YoY
+67.7% QoQ
|
+0.38% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
99.72%
+0.1% YoY
+3.9% QoQ
|
+25.19% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.34%
+10.2% YoY
+13.8% QoQ
|
+0.95% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.62%
+24.1% YoY
+20.8% QoQ
|
+1.17% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
-23.9% YoY
+26.0% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.02%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.72%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
94
94th pctile
Total Loans
Current: $309.0M · Tier avg: $139.2M
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.72% · Tier avg: 74.53%
85
85th pctile
Total Assets
Current: $376.7M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $309.9M · Tier avg: $183.7M
74
74th pctile
Efficiency Ratio
Current: 57.55% · Tier avg: 67.73%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.34% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.34% · Tier avg: 22.39%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.55% · Tier avg: 67.73%
83
83th pctile
Total Deposits
Current: $309.9M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $376.7M · Tier avg: $217.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.72% · Tier avg: 74.53%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
94
94th pctile
Total Loans
Current: $309.0M · Tier avg: $139.2M