Side-by-side · Q2 2026 data
Five Star Bank vs Ridgewood Savings Bank
Metric by metric
| Measure | Five Star Bank | Ridgewood Savings Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 64 |
| Capital cushion | 59 | 83 (stronger) |
| Loan quality | 73 (stronger) | 38 |
| Earnings | 77 (stronger) | 48 |
| Funding & liquidity | 37 | 80 (stronger) |
| Problem-loan coverage | 89 (stronger) | 82 |
| Peer percentile | 40th | 33rd |
| Total assets | $6.3B | $7.5B |
| Deposits / shares | $5.3B | $6.0B |
| Capital ratio | 10.87% | 13.27% (stronger) |
| Problem loans | 0.82% (stronger) | 1.85% |
| Net charge-offs | 0.27% | 0.18% (stronger) |
| Return on assets | 1.42% (stronger) | 0.70% |
| Loans ÷ deposits | 88.7% | 80.5% (stronger) |
| Uninsured deposits | 46.4% | 10.3% (stronger) |
| Offices | 47 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Five Star Bank has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 3 and Ridgewood Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.