| Metric | Five Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.9% | +5.5% | +16.4 pts |
| Deposit growth (YoY) | +23.2% | +5.1% | +18.1 pts |
| Loan growth (YoY) | +20.3% | +5.9% | +14.4 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 16.0% | 12.2% | +3.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.38B | $4.81B | $4.47B | $528.1M | $41.0M | 1.62% | 3.81% | 0.25% |
| Q1 2026 | $5.03B | $4.48B | $4.17B | $511.8M | $20.1M | 1.64% | 3.85% | 0.06% |
| Q4 2025 | $4.75B | $4.21B | $4.03B | $501.1M | $67.3M | 1.52% | 3.71% | 0.07% |
| Q3 2025 | $4.64B | $4.11B | $3.85B | $486.1M | $48.2M | 1.48% | 3.66% | 0.05% |
| Q2 2025 | $4.41B | $3.90B | $3.72B | $473.0M | $30.4M | 1.44% | 3.61% | 0.05% |
| Q1 2025 | $4.24B | $3.75B | $3.59B | $461.6M | $14.4M | 1.39% | 3.55% | 0.04% |
| Q4 2024 | $4.05B | $3.57B | $3.50B | $455.7M | $50.8M | 1.36% | 3.51% | 0.05% |
| Q3 2024 | $3.89B | $3.41B | $3.43B | $448.4M | $36.2M | 1.32% | 3.46% | 0.05% |
Loan mix (Q2 2026): real estate $3.84B · commercial $222.9M · consumer $374.7M · securities $92.7M
| Ratio | Five Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.3% | 59.0% | 6th |
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.