| Metric | 5Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +4.4% | -13.2 pts |
| Deposit growth (YoY) | -11.0% | +4.0% | -14.9 pts |
| Loan growth (YoY) | -9.2% | +5.6% | -14.8 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 10.8% | 11.9% | -1.1 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $378.2M | $312.1M | $299.9M | $64.4M | $3.6M | 1.86% | 5.15% | 0.51% |
| Q1 2026 | $388.7M | $319.4M | $307.5M | $67.3M | $1.8M | 1.92% | 5.12% | 0.96% |
| Q4 2025 | $376.7M | $309.9M | $309.0M | $65.5M | $4.6M | 1.19% | 5.02% | 1.62% |
| Q3 2025 | $390.5M | $325.2M | $312.0M | $64.0M | $3.3M | 1.13% | 4.94% | 1.34% |
| Q2 2025 | $414.8M | $350.6M | $330.3M | $62.5M | $2.8M | 1.44% | 4.87% | 1.58% |
| Q1 2025 | $372.8M | $309.8M | $320.8M | $61.3M | $1.3M | 1.43% | 4.81% | 1.36% |
| Q4 2024 | $369.8M | $308.2M | $307.1M | $59.9M | $4.2M | 1.13% | 4.71% | 1.30% |
| Q3 2024 | $359.2M | $299.1M | $312.9M | $58.7M | $2.9M | 1.05% | 4.62% | 0.86% |
Loan mix (Q2 2026): real estate $266.2M · commercial $36.3M · consumer $126K · securities $20.2M
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 62.9% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 5Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2024) · $350.6M branch deposits. Biggest market: El Paso, CO, ranked 12th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| El Paso, CO | 3 | $290.4M | 1.86% | 12th |
| Arapahoe, CO | 1 | $56.0M | 0.26% | 43rd |
| Las Animas, CO | 1 | $4.2M | 1.04% | 6th |
Colorado: 63rd with 0.17% · Colorado Springs metro: 12th, 1.80% · Denver-Aurora-Centennial metro: 82nd, 0.05% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5