What is Five Star Bank's financial health grade?

Five Star Bank has a TFS Financial Health Grade of C+ (score: 78.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Five Star Bank have?

Five Star Bank has 9 branch locations across the United States.

Is Five Star Bank FDIC insured?

Yes, Five Star Bank is FDIC insured (Certificate #35361).

What are the total assets of Five Star Bank?

Five Star Bank has total assets of $4.8B as reported in its most recent FDIC filing.

Five Star Bank

BankRoseville, California

www.fivestarbank.com

Total Assets

$4.8B

Total Deposits

$4.2B

Branches

Established

1999

TFS Health Grade

C+

78.7 / 100

Average financial health

How we grade

Five Star Bank is a bank headquartered in Roseville, California, established in 1999. With $4.8B in total assets and 9 branch locations, it has a TFS Financial Health Grade of C+ (78.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.89%(8%)

Total Capital Ratio

12.92%(10%)

Non-Performing Loan Ratio

0.08%

Profitability

Return on Assets (ROA)

1.52%(1%)

Return on Equity (ROE)

14.16%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

38.40%(60%)

Lending & Liquidity

Total Loans

$4.1B

Loan-to-Deposit Ratio

95.74%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+17.26%

Deposit Growth (YoY)

+18.02%

Net Income

$67.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Five Star BankHQ	2240 Douglas Blvd	Roseville	CA	11
Five Star Bank	1370 E Lassen Ave	Chico	CA	11
Five Star Bank	9250 Laguna Springs Dr	Elk Grove	CA	11
Five Star Bank	3100 Zinfandel Dr	Rancho Cordova	CA	11
Five Star Bank	358 Hartnell Ave	Redding	CA	11
Five Star Bank	2400 Del Paso Rd	Sacramento	CA	11
Five Star Bank	345 California Street	San Francisco	CA	11
Five Star Bank	1333 N California Blvd	Walnut Creek	CA	11
Five Star Bank	855 Harter Pkwy	Yuba City	CA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.