Five Star Bank
Roseville, California, Placer County
$5.4B in total assets, the 283rd largest of 4,309 US banks and 23rd of 120 headquartered in California.
- FDIC certificate
- 35361
- Established
- 1999
- Owned by
- Five Star Bcorp
- Primary regulator
- FDIC
- Website
- www.fivestarbank.com
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.4B | 76% | $2.7B | |
| Loans | $4.5B | 88% | $1.8B | |
| Deposits | $4.8B | 78% | $2.3B | |
| Return on assets | 1.61% | 76% | 1.21% | |
| Net interest margin | 3.81% | 53% | 3.80% | |
| Efficiency ratio | 37.3% | 12% | 54.4% | |
| Equity to assets | 9.82% | 16% | 11.37% | |
| Loans to deposits | 94% | 68% | 89% |
Growth
Total assets grew 18.2% a year over the last 5 years and 21.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2005 | Five Star Bank Natomas Sacramento, CA, an affiliate under the same holding company | $60M |
Where they operate
9 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Placer County, CA | $1.9B | 13.0% | 4 of 26 |
| Sacramento County, CA | $1.7B | 2.3% | 6 of 30 |
| San Francisco County, CA | $690M | 0.2% | 17 of 46 |
| Shasta County, CA | $204M | 4.5% | 8 of 11 |
| Sutter County, CA | $172M | 5.9% | 8 of 12 |
| Butte County, CA | $121M | 1.7% | 10 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (6 to 9, +50.0%). 4 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2020 | Opened Yuba City | 1 | 0 | +1 | 7 |
| 2021 | Closed Elk Grove | 0 | 1 | −1 | 6 |
| 2022 | Opened Elk Grove | 1 | 0 | +1 | 7 |
| 2024 | Opened San Francisco | 1 | 0 | +1 | 8 |
| 2025 | Opened Walnut Creek | 1 | 0 | +1 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 49% | 48% | |
| Multifamily | 31% | 13% | |
| Consumer | 8% | 2% | |
| Business (C&I) | 5% | 15% | |
| Construction and land | 3% | 3% | |
| Agricultural | 1% | 1% | |
| Farmland | 1% | 2% | |
| 1-4 family residential | 1% | 15% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 69% | 48% | |
| Noninterest-bearing | 25% | 29% | |
| Time deposits | 6% | 23% |
Brokered deposits are 3.3% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.30% | 0.48% |
| Net charge-offs, annualized | 0.08% | 0.05% |
| Reserves to loans | 1.05% | 1.28% |
| Leverage ratio | 10.25% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Placer County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/five-star-bank-roseville-ca