BlastPoint's Banking Scorecard

5Star Bank

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

Colorado Springs, CO

6 branches across CO

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits -11.0% year over year ($312.1M on the books).
Delinquency rate 0.16%.
Return on assets 1.86%.
Efficiency ratio 52.02% vs a 64.48% peer average.
Loan-to-deposit ratio 96.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (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 34.0% in tier
+ Net Interest Margin 1.17% above tier average
+ Efficiency Ratio 12.46% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.2% in tier
- Liquidity Overhang: Bottom 27.5% in tier
- Capital Constraint: Bottom 57.0% in tier
- Non-Interest Income / Assets 0.50% below tier average

Get updates when 5Star Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$378.2M -8.8% YoY -2.7% QoQ	-$8.3M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$299.9M -9.2% YoY -2.5% QoQ	+$41.6M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$312.1M -11.0% YoY -2.3% QoQ	-$14.6M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	1.86% +29.8% YoY -3.0% QoQ	+0.54%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	5.15% +5.7% YoY +0.6% QoQ	+1.17%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Top 6.0% in tier
Efficiency Ratio ?	52.02% -5.5% YoY +3.5% QoQ	-12.46%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.16% -78.5% YoY -73.8% QoQ	-0.75%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	96.09% +2.0% YoY -0.2% QoQ	+18.14%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	24.45% +30.8% YoY -5.7% QoQ	+2.42%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.51% -67.8% YoY -47.4% QoQ	-0.16%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	17.24% +8.7% YoY -7.1% QoQ	+1.33%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.06% -31.6% YoY +108.2% QoQ	-0.50%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	Bottom 8.2% in tier

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 (CO)	National Avg	Tier Percentile
Noninterest-Bearing	24.5% +5.8pp YoY -1.5pp QoQ	+2.3pp	22.1%	23.5%	22.2%	64%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	12.1% +0.7pp YoY 0.0pp QoQ	+0.5pp	11.6%	8.4%	12.5%	64%
CRE	63.8% -2.4pp YoY -1.9pp QoQ	+24.3pp	39.5%	42.8%	41.4%	88%
1-4 Family	23.1% +2.9pp YoY +1.8pp QoQ	-9.6pp	32.6%	33.0%	31.3%	37%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.9%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	17.2% +1.4pp YoY -1.3pp QoQ	+5.1pp	12.2%	12.5%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	52 -5 (-8.8%) YoY +1 (+2.0%) QoQ	-7	58	107	482	56%
Assets per Employee ($)	$7.3M -0.1% YoY -4.6% QoQ	-$245K	$7.5M	$7.8M	$8.8M	57%
Branch Count	6 0 YoY 0 QoQ	+1	4	7	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.7pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.4%	42%
Nonaccrual	0.1% -1.1pp YoY -1.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	19%
Allowance Coverage	7.26x +354.8% YoY +273.6% QoQ	-16.89x	24.15x	12.16x	20.23x	77%
Net Charge-off Rate (YTD)	0.1%	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	10.8% +1.8pp YoY -0.3pp QoQ	-1.4pp	12.2%	9.7%	11.6%	41%
Cost of Funds (YTD)	1.6% -0.5pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	43%
Net Income ($, YTD)	$3.6M +28.3% YoY — QoQ	+$998K	$2.6M	$5.4M	$40.4M	76%

Get Full Access to 5Star Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#226 of 661 • Top 34.0% in tier

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

Why this signature

Return on Assets: 1.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Liquidity Strain

risk

#23 of 691 • Bottom 3.2% 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: 96.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#205 of 742 • Bottom 27.5% 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: 17.24%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 96.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Capital Constraint

risk

#62 of 107 • Bottom 57.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 96.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 17.24%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

160

Net Interest Margin

profitability

Value: 5.15%

Peer Median: 3.99%

#160 of 2643 Top 6.0% in $100M-$1B

445

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#445 of 2643 Top 16.8% in $100M-$1B

552

Efficiency Ratio

profitability

Value: 52.02%

Peer Median: 64.48%

#552 of 2643 Top 20.8% in $100M-$1B

585

Tier 1 Capital Ratio

capital

Value: 17.24%

Peer Median: 15.91%

#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2427

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2427 of 2643 Bottom 8.2% in $100M-$1B

2253

Loan-to-Deposit Ratio

liquidity

Value: 96.09%

Peer Median: 77.95%

#2253 of 2643 Bottom 14.8% in $100M-$1B