BlastPoint's Banking Scorecard

5Star Bank

$100M-$1B Specialty: Commercial CO FDIC cert 91005

Colorado Springs, CO

6 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

5Star Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 30.8% in tier
+ Net Interest Margin 1.19% above tier average
+ Efficiency Ratio 15.02% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.6% in tier
- Liquidity Overhang: Bottom 21.7% in tier
- Credit Quality Pressure: Bottom 46.0% in tier
- Non-Interest Income / Assets 0.25% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$388.7M +4.3% YoY +3.2% QoQ	+$2.6M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$307.5M -4.1% YoY -0.5% QoQ	+$51.8M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$319.4M +3.1% YoY +3.1% QoQ	-$8.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.92% +34.6% YoY +60.8% QoQ	+0.65%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 14.5% in tier
Net Interest Margin ?	5.12% +6.4% YoY +2.0% QoQ	+1.19%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 5.6% in tier
Efficiency Ratio ?	50.27% -10.8% YoY -12.7% QoQ	-15.02%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.63% +89.6% YoY -38.3% QoQ	-0.26%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	96.28% -7.0% YoY -3.4% QoQ	+19.64%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ?	25.94% +32.8% YoY +11.1% QoQ	+3.92%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.96% -29.2% YoY -40.5% QoQ	+0.33%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	18.55% +9.7% YoY +12.6% QoQ	+2.72%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.03% -41.4% YoY -82.0% QoQ	-0.25%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Bottom 8.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#206 of 666 • Top 30.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.92%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (3)

Liquidity Strain

risk

#50 of 643 • Bottom 7.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#161 of 739 • Bottom 21.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.55%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#603 of 1308 • Bottom 46.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.63%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

151

Net Interest Margin

profitability

Value: 5.12%

Peer Median: 3.93%

#151 of 2664 Top 5.6% in $100M-$1B

387

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.27%

#387 of 2664 Top 14.5% in $100M-$1B

438

Efficiency Ratio

profitability

Value: 50.27%

Peer Median: 65.29%

#438 of 2664 Top 16.4% in $100M-$1B

460

Tier 1 Capital Ratio

capital

Value: 18.55%

Peer Median: 15.83%

#460 of 2664 Top 17.2% in $100M-$1B

Top Weaknesses (3 metrics)

2444

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2444 of 2664 Bottom 8.3% in $100M-$1B

2307

Loan-to-Deposit Ratio

liquidity

Value: 96.28%

Peer Median: 76.64%

#2307 of 2664 Bottom 13.4% in $100M-$1B

2123

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2123 of 2664 Bottom 20.3% in $100M-$1B