Side-by-side · Q2 2026 data
Fremont Bank vs Five Star Bank
Metric by metric
| Measure | Fremont Bank | Five Star Bank |
|---|---|---|
| TellerScore | 60 | 68 (stronger) |
| Capital cushion | 34 | 53 (stronger) |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 66 | 85 (stronger) |
| Funding & liquidity | 36 (stronger) | 18 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 21st | 49th |
| Total assets | $6.0B | $5.4B |
| Deposits / shares | $5.3B | $4.8B |
| Capital ratio | 8.35% | 10.25% (stronger) |
| Problem loans | 0.39% | 0.30% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.15% | 1.62% (stronger) |
| Loans ÷ deposits | 89.2% (stronger) | 93.0% |
| Uninsured deposits | 46.3% (stronger) | 59.2% |
| Offices | 21 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.6% | 1.7% |
Five Star Bank has the higher TellerScore (68 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Fremont Bank leads on 3 and Five Star Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.