Five Star Bank (Roseville, CA)
Five Star Bank (Roseville, CA) reported total assets of $5.4 bn at Q2 2026, up 21.9% on a year earlier, the 273rd largest of 497 banks in our US coverage. The CET1 capital ratio at Five Star Bank (Roseville, CA) was 11.11%, and the uninsured share of Five Star Bank (Roseville, CA) was 59.15%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Five Star Bank (Roseville, CA) slipped from 315th to 402nd among 448 US banks between and (1 = highest; FDIC Call Reports).
- Five Star Bank (Roseville, CA) has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 59.15% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- The efficiency ratio of Five Star Bank (Roseville, CA), 37.32% at , places Five Star Bank (Roseville, CA) in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
What sets Five Star Bank (Roseville, CA) apart
How large is Five Star Bank (Roseville, CA)?
The balance sheet of Five Star Bank (Roseville, CA) at : assets $5.4 bn, deposits $4.8 bn, net loans $4.5 bn (loans equal to 92.98% of deposits). Securities make up 1.7% of total assets at Five Star Bank (Roseville, CA). Since , when Five Star Bank (Roseville, CA) held $810.5 mn, its assets grew 563.4%. In the year to , deposits at Five Star Bank (Roseville, CA) rose 23.2% while its total assets rose 21.9%. At , Five Star Bank (Roseville, CA) employed 256 full-time equivalent staff across 9 offices, about $21.0 mn of assets per employee and $534.4 mn of deposits per office.
How much funding at Five Star Bank (Roseville, CA) is uninsured?
At Five Star Bank (Roseville, CA), uninsured deposits (above the FDIC limit) made up 59.15% of domestic deposits at (+8.12 pp on a year earlier); Five Star Bank (Roseville, CA) ranks 30th of 500 on this measure. In dollars, Five Star Bank (Roseville, CA) estimated $2.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.8 bn | +23.2% | 258th of 499 |
| Net loans and leases | $4.5 bn | +20.3% | 234th of 500 |
| Loan-to-deposit ratio | 92.98% | -2.26 pp | 147th of 500 |
| Tier 1 leverage ratio | 10.25% | -1.10 pp | 261st of 500 |
| Total risk-based capital ratio | 12.12% | -1.18 pp | 406th of 448 |
| Net interest margin | 3.81% | +0.20 pp | 198th of 500 |
| Return on assets (ROA) | 1.62% | +0.19 pp | 116th of 500 |
| Efficiency ratio | 37.32% | -1.71 pp | 47th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $228,000 | Narrowed by $107,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $12.7 mn | Narrowed by $3.6 mn | |
| Noncurrent loans to total loans | 0.30% | +0.23 pp | 104th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | -0.04 pp | 231st of 500 (1 = lowest) |
US rank of Five Star Bank (Roseville, CA): 1 = highest unless marked 1 = lowest.
Balance sheet
Five Star Bank (Roseville, CA): assets, deposits and loans
- Total assets $5.4bn
- Deposits $4.8bn
- Net loans $4.5bn
Capital and securities
The CET1 ratio of Five Star Bank (Roseville, CA) stood at 11.11% in , -1.18 pp year on year. Low and high at Five Star Bank (Roseville, CA) since : 9.46% () to 14.84% (). Equity capital of Five Star Bank (Roseville, CA) at : $528.1 mn, or 9.8% of total assets. Five Star Bank (Roseville, CA) also reported a total capital ratio of 12.12% for , and a tier 1 leverage ratio of 10.25%.
On held-to-maturity securities, Five Star Bank (Roseville, CA) carried an unrealized loss of $228,000 at , equal to 0.0% of equity capital. The loss narrowed by $107,000 over the year. Its deepest point: $387,000 in . The available-for-sale portfolio of Five Star Bank (Roseville, CA) showed an unrealized loss of $12.7 mn at ; the loss narrowed by $3.6 mn over the year.
Five Star Bank (Roseville, CA): capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 10%
Five Star Bank (Roseville, CA): unrealized securities gains and losses
- Available for sale -$13mn
- Held to maturity -$228,000
Profitability and loan quality
For the year to , Five Star Bank (Roseville, CA) earned a return on equity of 15.97%; return on assets: 1.62%. Net interest margin at Five Star Bank (Roseville, CA): 3.81%, +0.20 pp in a year. Five Star Bank (Roseville, CA) net income: $41.0 mn, up 34.7% year on year. The efficiency ratio of Five Star Bank (Roseville, CA) was 37.32%: about 37 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.30% of total loans at Five Star Bank (Roseville, CA); net charge-offs: 0.08% of average loans. Gross loans and leases at Five Star Bank (Roseville, CA): $4.5 bn, up 20.3% in a year.
Five Star Bank (Roseville, CA): profitability
- Return on equity 16%
- Net interest margin 3.8%
- Return on assets 1.6%
Peer group of Five Star Bank (Roseville, CA)
The peer group of Five Star Bank (Roseville, CA) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Five Star Bank (Roseville, CA) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Five Star Bank (Roseville, CA) shows CET1 ratio 11.11% against a peer median of 13.06%, return on equity 15.97% against a peer median of 15.72% and uninsured deposit share 59.15% against a peer median of 30.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Canandaigua National Bank and Trust Company | National bank | NY | $5.4 bn | 12.34% | 14.71% | 33.80% | |
| City Bank | State nonmember bank | TX | $5.4 bn | 13.39% | 14.40% | 36.70% | |
| Bridgewater Bank | State nonmember bank | MN | $5.4 bn | 12.73% | 11.37% | 26.16% | |
| Five Star Bank | State nonmember bank | CA | $5.4 bn | 11.11% | 15.97% | 59.15% | |
| Morton Community Bank | State nonmember bank | IL | $5.3 bn | 13.59% | 16.74% | 26.93% | |
| Celtic Bank | State nonmember bank | UT | $5.3 bn | not reported | 19.32% | 9.11% | |
| InterBank | State member bank | OK | $5.3 bn | not reported | 27.32% | 41.01% | |
. FDIC Call Reports.
Last eight quarters
Two years at Five Star Bank (Roseville, CA), to : assets +38.3%, deposits +41.1%, equity +17.8%. Staff 197 to 256; offices 8 to 9.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.9 bn | $4.1 bn | $4.2 bn | $4.4 bn | $4.6 bn | $4.8 bn | $5.0 bn | $5.4 bn |
| Total deposits | $3.4 bn | $3.6 bn | $3.7 bn | $3.9 bn | $4.1 bn | $4.2 bn | $4.5 bn | $4.8 bn |
| Bank equity capital | $448.4 mn | $455.7 mn | $461.6 mn | $473.0 mn | $486.1 mn | $501.1 mn | $511.8 mn | $528.1 mn |
| CET1 ratio | 12.52% | 12.61% | 12.48% | 12.29% | 12.13% | 11.89% | 11.67% | 11.11% |
| Return on equity (ROE) | 12.17% | 12.44% | 12.59% | 13.14% | 13.71% | 14.16% | 15.85% | 15.97% |
| Uninsured share of domestic deposits | 51.15% | 52.46% | 52.64% | 51.03% | 52.89% | 53.82% | 57.33% | 59.15% |
| Full-time equivalent employees | 197 | 204 | 208 | 225 | 228 | 233 | 243 | 256 |
| Number of offices | 8 | 8 | 8 | 8 | 9 | 9 | 9 | 9 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Five Star Bank (Roseville, CA)
- Total assets at Five Star Bank (Roseville, CA) changed by +35.2% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Five Star Bank (Roseville, CA)?
Five Star Bank (Roseville, CA) reported $5.4 bn at in its Call Report. That makes Five Star Bank (Roseville, CA) the 273rd largest of 497 banks in our US coverage.
Is Five Star Bank (Roseville, CA) the same as its holding company?
No. This page covers Five Star Bank (Roseville, CA), FDIC certificate 35361; FIVE STAR BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Five Star Bank (Roseville, CA) profitable?
Five Star Bank (Roseville, CA) reported net income of $41.0 mn for the year to ; annualized return on equity: 15.97%. So yes: Five Star Bank (Roseville, CA) made a profit over these months.
When is data for Five Star Bank (Roseville, CA) next updated?
Figures from Five Star Bank (Roseville, CA) for are due after .
Where can I check the figures for Five Star Bank (Roseville, CA)?
In the FDIC BankFind Suite record for certificate 35361, and in the Call Reports of Five Star Bank (Roseville, CA) (RSSD ID 2867337) at the FFIEC Central Data Repository.