BlastPoint's Banking Scorecard
Five Star Bank
Designations: ✓ Community bank
Roseville, CA
9 branches across CA
Five Star Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37.7% in tier
- + Efficiency Ratio 24.88% below tier average
- + Nonperforming Asset Ratio 0.62% below tier average
- + ROA 0.28% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.9% in tier
- - Non-Interest Income / Assets 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.0B
+18.6% YoY
+5.9% QoQ
|
+$2.2B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 14.6% in tier |
| Total Loans ? |
$4.2B
+16.2% YoY
+3.4% QoQ
|
+$2.2B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 11.3% in tier |
| Total Deposits ? |
$4.5B
+19.6% YoY
+6.4% QoQ
|
+$2.1B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 13.1% in tier |
| Return on Assets ? |
1.64%
+17.9% YoY
+7.7% QoQ
|
+0.28% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.85%
+8.4% YoY
+3.7% QoQ
|
+0.03% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
36.18%
-9.1% YoY
-5.8% QoQ
|
-24.88% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 4.5% in tier |
| Delinquency Rate ? |
0.07%
+37.3% YoY
-12.0% QoQ
|
-0.82% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 8.8% in tier |
| Loan-to-Deposit Ratio ? |
93.01%
-2.8% YoY
-2.9% QoQ
|
+8.80% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
27.76%
+10.2% YoY
+6.9% QoQ
|
+6.47% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.06%
+28.0% YoY
-14.1% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 8.9% in tier |
| Tier 1 Capital Ratio ? |
11.67%
-6.4% YoY
-1.9% QoQ
|
-3.49% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.02%
-29.3% YoY
-83.7% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.8% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.