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Five Star Bank
Roseville, CA·FDIC Cert #35361·Charter: STATE·Est. 19991220.0·HC: FIVE STAR BCORP
Total Assets
$4.8B
Q4 2025
Return on Assets
1.52%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
38.40%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.52%+0.04
ROE
14.16%+0.45
Efficiency
38.40%-0.09
Equity/Assets
0.00%+0.00
NPL Ratio
0.08%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.74%+2.24
Charge-offs
0.08%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 |
| ROE | 13.6 | 12.6 | 12.2 | 12.4 | 12.6 | 13.1 | 13.7 | 14.2 |
| Efficiency | 40.6 | 40.4 | 40.2 | 39.6 | 39.8 | 39.0 | 38.5 | 38.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 103.9 | 102.5 | 100.5 | 98.1 | 95.7 | 95.2 | 93.5 | 95.7 |
Balance Sheet
Total Assets$4.8B
Total Deposits$4.2B
Total Loans$4.0B
Total Equity$501.1M
Profitability
ROA1.52%
ROE14.16%
Efficiency Ratio38.40%
Net Income$67.3M
Risk & Asset Quality
NPL Ratio0.08%
Charge-off Rate0.08%
Loan/Deposit95.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans