| Metric | Five Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 13.3% | 12.2% | +1.1 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.29B | $5.31B | $4.71B | $680.5M | $44.6M | 1.42% | 3.82% | 0.63% |
| Q1 2026 | $6.26B | $5.35B | $4.58B | $670.1M | $22.2M | 1.42% | 3.79% | 0.62% |
| Q4 2025 | $6.24B | $5.29B | $4.61B | $662.3M | $79.2M | 1.28% | 3.68% | 0.57% |
| Q3 2025 | $6.25B | $5.37B | $4.55B | $645.6M | $58.3M | 1.26% | 3.63% | 0.55% |
| Q2 2025 | $6.11B | $5.20B | $4.49B | $626.8M | $36.9M | 1.20% | 3.56% | 0.53% |
| Q1 2025 | $6.30B | $5.42B | $4.50B | $616.4M | $18.3M | 1.18% | 3.47% | 0.64% |
| Q4 2024 | $6.08B | $5.16B | $4.43B | $595.5M | $-30.9M | -0.50% | 3.06% | 0.68% |
| Q3 2024 | $6.13B | $5.32B | $4.36B | $542.6M | $33.6M | 0.73% | 3.04% | 0.67% |
Loan mix (Q2 2026): real estate $3.27B · commercial $621.4M · consumer $803.2M · securities $989.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Five Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 59.0% | 29th |
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 | Five Star 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 | Five Star 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 | Five Star 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 | Five Star 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.