Headquartered in Roseville, California, Five Star Bank is a state-chartered bank with $5.4B in total assets and $4.8B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1999.
Based on its Q2 2026 filing, Five Star Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 65th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is funding & liquidity (18/100; 93% loans-to-deposits, 59% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 5 points (73 → 68), mostly because the capital cushion component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 72 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.76% |
| Q3 2024 | 12.41% |
| Q4 2024 | 11.50% |
| Q1 2025 | 11.52% |
| Q2 2025 | 11.35% |
| Q3 2025 | 11.01% |
| Q4 2025 | 10.89% |
| Q1 2026 | 10.66% |
| Q2 2026 | 10.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $5.4B | 10.25% | 0.30% | 1.62% | 93.0% |
| Q1 2026 | 72 | $5.0B | 10.66% | 0.07% | 1.64% | 93.0% |
| Q4 2025 | 71 | $4.8B | 10.89% | 0.08% | 1.52% | 95.7% |
| Q3 2025 | 72 | $4.6B | 11.01% | 0.05% | 1.48% | 93.5% |
| Q2 2025 | 73 | $4.4B | 11.35% | 0.06% | 1.44% | 95.2% |
| Q1 2025 | 73 | $4.2B | 11.52% | 0.05% | 1.39% | 95.7% |
| Q4 2024 | 72 | $4.1B | 11.50% | 0.05% | 1.36% | 98.1% |
| Q3 2024 | 74 | $3.9B | 12.41% | 0.05% | 1.32% | 100.5% |
| Q2 2024 | 75 | $3.6B | 12.76% | 0.06% | 1.35% | 102.5% |
897 peers · $1 billion – $10 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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community West BankBank Fresno, CA | 67 out of 100, Moderate | $5.0B | 11.0% | 0.56% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA | 79 out of 100, Strong | $5.8B | 11.7% | 0.13% | vs |
| CTBC Bank Corp. (USA)Bank Los Angeles, CA | 64 out of 100, Moderate | $5.9B | 14.7% | 1.55% | vs |
| Fremont BankBank Fremont, CA | 60 out of 100, Moderate | $6.0B | 8.4% | 0.39% | vs |
Deposit insurance
Is my money safe at Five Star Bank?
Yes. Five Star Bank is an FDIC-insured institution (FDIC certificate #35361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 59.2% of deposits ($2.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.12% (benchmark: 10%).
10 locations
Branches
Five Star Bank lists 10 offices in 10 cities. Most locations:
- Chico, CA (1)
- Elk Grove, CA (1)
- Lodi, CA (1)
- Rancho Cordova, CA (1)
- Redding, CA (1)
- Roseville, CA (1)
- Sacramento, CA (1)
- San Francisco, CA (1)
- Walnut Creek, CA (1)
- Yuba City, CA (1)
HMDA 2025
Mortgage lending
In 2025, Five Star Bank reported 126 home-loan applications under HMDA (LEI 549300GYK7N8U42X9587): 114 originated ($284,960,000 total), 2 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Five Star Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35361
- RSSD ID
- 2867337
- Primary regulator
- FDIC
- Holding company
- Five Star Bcorp
- Established
- December 20, 1999
- Headquarters
- 2240 Douglas Blvd, Roseville, CA 95661
- Website
- www.fivestarbank.com
- Employees
- 256
Quick answers
Five Star Bank: common questions
Is Five Star Bank FDIC insured?
Yes. Five Star Bank is an FDIC-insured institution (FDIC certificate #35361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Five Star Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Five Star Bank ever failed?
There is no failure record for FDIC certificate #35361 in the FDIC failed bank list.
How many branches does Five Star Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roseville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sacramento Credit UnionCredit union Sacramento, CA | 96 out of 100, Very strong | $858.3M | 15.1% | 0.09% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| El Dorado Savings Bank, F.S.B.Bank Placerville, CA | 84 out of 100, Strong | $2.4B | 13.4% | 0.28% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |
| California Community Credit UnionCredit union Sacramento, CA | 79 out of 100, Strong | $82.5M | 12.2% | 0.07% | vs |