TellerScore

Headquartered in Colorado Springs, Colorado, 5Star Bank is a state-chartered bank with $378.2M in total assets and $312.1M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1980.

5Star Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 6th. Capital cushion contributes the most (100/100, 17.24%); funding & liquidity contributes the least (31/100, 96% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.24%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings95/100
Return on assets (annualized): 1.86%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 96.1% · 45.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (80 → 87), mostly because the loan quality component improved by 20 points.

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202483
Q4 202480
Q1 202583
Q2 202580
Q3 202579
Q4 202575
Q1 202684
Q2 202687
Tier 1 leverage ratio
5.00%11.78%18.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.39%
Q3 202416.08%
Q4 202416.67%
Q1 202516.91%
Q2 202515.86%
Q3 202516.01%
Q4 202516.48%
Q1 202618.55%
Q2 202617.24%
Noncurrent loans
0.03%0.52%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.03%
Q4 20240.49%
Q1 20250.33%
Q2 20250.76%
Q3 20250.60%
Q4 20251.01%
Q1 20260.62%
Q2 20260.16%
Return on assets
0.85%1.39%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20241.05%
Q4 20241.13%
Q1 20251.43%
Q2 20251.44%
Q3 20251.13%
Q4 20251.19%
Q1 20261.92%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$378.2M17.24%0.16%1.86%96.1%
Q1 202684$388.7M18.55%0.62%1.92%96.3%
Q4 202575$376.7M16.48%1.01%1.19%99.7%
Q3 202579$390.5M16.01%0.60%1.13%95.9%
Q2 202580$414.8M15.86%0.76%1.44%94.2%
Q1 202583$372.8M16.91%0.33%1.43%103.6%
Q4 202480$369.8M16.67%0.49%1.13%99.6%
Q3 202483$359.2M16.08%0.03%1.05%104.6%
Q2 202480$375.3M15.39%0.16%0.85%98.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.24%
93rd
Total risk-based capital0.00%
24th
Problem loans0.16%
68th
Net charge-offs0.07%
24th
Return on assets1.86%
83rd
Net interest margin5.15%
94th
Efficiency ratio52.0%
79th
Loans to deposits96.1%
15th
Uninsured deposits45.1%
7th
Loan-loss reserves1.18%
49th
Texas ratio2.8%
49th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
First FarmBankBank Greeley, CO72 out of 100, Strong$384.4M12.3%0.88%vs
FlatIrons BankBank Boulder, CO74 out of 100, Strong$370.3M8.9%0.00%vs
San Luis Valley Federal BankBank Alamosa, CO87 out of 100, Very strong$390.2M18.0%0.15%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs
Alamosa State BankBank Alamosa, CO89 out of 100, Very strong$340.3M12.9%0.00%vs
Farmers State Bank of CalhanBank Calhan, CO68 out of 100, Moderate$416.4M9.2%0.41%vs

Deposit insurance

Is my money safe at 5Star Bank?

Yes. 5Star Bank is an FDIC-insured institution (FDIC certificate #91005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.1% of deposits ($140.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

5Star Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
5Star Bank
Former names
5 Star Bank; Citizens Industrial Bank; Littleton U.S. Industrial Bank; AFBA Industrial Bank; American Industrial Bank of Littleton
Type
State-chartered bank
FDIC certificate #
91005
RSSD ID
455253
Primary regulator
FDIC
Holding company
Little London Bcorp
Established
June 10, 1980
Headquarters
104 S Cascade Ave, Colorado Springs, CO 80903
Employees
52

Quick answers

5Star Bank: common questions

Is 5Star Bank FDIC insured?

Yes. 5Star Bank is an FDIC-insured institution (FDIC certificate #91005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 5Star Bank's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 5Star Bank ever failed?

There is no failure record for FDIC certificate #91005 in the FDIC failed bank list.

How many branches does 5Star Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Colorado Springs

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Pikes Peak National BankBank Colorado Springs, CO85 out of 100, Very strong$110.8M15.6%0.00%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
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