BlastPoint's Banking Scorecard
Five Star Bank
Designations: ✓ Community bank
Roseville, CA
10 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +23.2% year over year ($4.8B on the books).
- Delinquency rate 0.30%.
- Return on assets 1.62%.
- Efficiency ratio 37.32% vs a 59.73% peer average.
- Loan-to-deposit ratio 92.98% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Five Star Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.41% below tier average
- + ROA 0.23% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+21.9% YoY
+6.9% QoQ
|
+$2.6B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Top 12.9% in tier |
| Total Loans ? |
$4.5B
+20.3% YoY
+7.3% QoQ
|
+$2.5B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 9.2% in tier |
| Total Deposits ? |
$4.8B
+23.2% YoY
+7.4% QoQ
|
+$2.5B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Top 11.3% in tier |
| Return on Assets ? |
1.62%
+12.9% YoY
-1.1% QoQ
|
+0.23% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.81%
+5.5% YoY
-1.0% QoQ
|
-0.06% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
37.32%
-4.4% YoY
+3.1% QoQ
|
-22.41% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Top 5.2% in tier |
| Delinquency Rate ? |
0.30%
+387.2% YoY
+341.7% QoQ
|
-0.57% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
92.98%
-2.4% YoY
-0.0% QoQ
|
+7.95% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
24.63%
-5.1% YoY
-11.3% QoQ
|
+3.36% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.25%
+380.8% YoY
+343.6% QoQ
|
-0.43% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.11%
-9.6% YoY
-4.8% QoQ
|
-3.73% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.05%
-17.3% YoY
+161.1% QoQ
|
-0.47% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.6%
-1.3pp YoY -3.1pp QoQ |
+3.3pp | 21.4% | 25.5% | 22.2% | 70% |
| Brokered Deposits |
3.3%
-6.3pp YoY -2.0pp QoQ |
-6.2pp | 9.5% | 11.0% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-0.1pp YoY -1.2pp QoQ |
-9.0pp | 14.0% | 11.8% | 12.5% | 18% |
| CRE |
83.7%
-1.9pp YoY -1.4pp QoQ |
+33.7pp | 50.0% | 67.5% | 41.4% | 97% |
| 1-4 Family |
0.9%
0.0pp YoY -0.1pp QoQ |
-25.5pp | 26.4% | 16.5% | 31.3% | 2% |
| Consumer |
8.4%
+0.9pp YoY +1.8pp QoQ |
+3.7pp | 4.7% | 5.3% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.1%
-1.2pp YoY -0.6pp QoQ |
-4.5pp | 15.6% | 23.7% | 19.7% | 12% |
| Leverage Ratio |
10.3%
-1.1pp YoY -0.4pp QoQ |
-1.1pp | 11.3% | 14.5% | 12.6% | 44% |
| Total Capital Ratio |
12.1%
-1.2pp YoY -0.6pp QoQ |
-4.6pp | 16.7% | 25.1% | 20.8% | 10% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
256
+31 (+13.8%) YoY +13 (+5.3%) QoQ |
-58 | 313 | 337 | 482 | 56% |
| Assets per Employee ($) |
$21.0M
+7.1% YoY +1.4% QoQ |
+$10.5M | $10.5M | $11.3M | $8.8M | 96% |
| Branch Count |
9
+1 (+12.5%) YoY 0 QoQ |
-11 | 20 | 15 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.2pp YoY +0.2pp QoQ |
-0.5pp | 0.8% | 1.4% | 1.0% | 31% |
| Allowance Coverage |
3.55x
-79.9% YoY -78.5% QoQ |
-15.16x | 18.71x | 17.11x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+2.8pp YoY +0.1pp QoQ |
+3.4pp | 12.6% | 8.2% | 11.6% | 79% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.9% | 1.7% | 53% |
| Net Income ($, YTD) |
$41.0M
+34.7% YoY — QoQ |
+$21.8M | $19.2M | $28.5M | $40.4M | 89% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.