Side-by-side · Q2 2026 data
Five Star Bank vs TrustCo Bank
Metric by metric
| Measure | Five Star Bank | TrustCo Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 62 |
| Capital cushion | 59 (stronger) | 34 |
| Loan quality | 73 | 87 (stronger) |
| Earnings | 77 (stronger) | 61 |
| Funding & liquidity | 37 | 59 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 40th | 27th |
| Total assets | $6.3B | $6.5B |
| Deposits / shares | $5.3B | $5.7B |
| Capital ratio | 10.87% (stronger) | 8.38% |
| Problem loans | 0.82% | 0.40% (stronger) |
| Net charge-offs | 0.27% | -0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 1.04% |
| Loans ÷ deposits | 88.7% (stronger) | 93.7% |
| Uninsured deposits | 46.4% | 22.0% (stronger) |
| Offices | 47 | 133 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 28.5% |
Five Star Bank has the higher TellerScore (66 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 4 and TrustCo Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.