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Five Star Bank
Roseville, CA · FDIC Certificate #35361 · Chartered 12/2
Total assets
$5.38B
Total deposits
$4.81B
Total equity
$528.08M
Net loans
$4.47B
Branches (offices)
9
Net income (YTD)
$41.02M
Rank: #275 of 4,213 U.S. banks by assets · #23 of 115 in California. Assets changed 21.9% and deposits 23.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 15.97% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 9.82% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 59.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.84B | 85.9% | |
| Commercial & industrial | $222.94M | 5.0% | |
| Consumer / individual | $374.72M | 8.4% | |
| Construction & development | $147.95M | 3.3% | |
| Agricultural | $65.79M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.84B | $2.51B | $21.25M | $255.97M |
| Jun 2023 | $3.40B | $2.94B | $28.42M | $331.29M |
| Jun 2024 | $3.63B | $3.16B | $24.00M | $440.69M |
| Jun 2025 | $4.41B | $3.90B | $30.45M | $473.01M |
| Jun 2026 | $5.38B | $4.81B | $41.02M | $528.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $4.81B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.81B.
Similar-sized banks
Bridgewater Bank ($5.38B) · Morton Community Bank ($5.35B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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