5Star Bank

Peterson Air Force Base, 455 W. Paine St., Bldg. 1485
Colorado Springs, CO 80914

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD 1.36% 2.25% →
2-Year CD 1.46% 2.30% →
5-Year CD 1.71% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

5Star Bank is an FDIC insured institution located in Colorado Springs, CO. It was founded in 1980 and has approximately $0.25 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 91005
Date Established 1980
Assets $0.25 billion
Loans $0.22 billion
Deposits $0.21 billion
Capital $0.04 billion

For a more detailed analysis of 5Star Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 17, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1,000 $9,999 Learn MoreShow Less
Money Market
0.35% $10,000 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $49,999 Learn MoreShow Less
0.60% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
0.60% $25,000 - Learn MoreShow Less
Special: 12 Mo CD
1.36% $1,000 $249,999 Learn MoreShow Less
12 Mo CD
1.36% $1,000 - Learn MoreShow Less
18 Mo CD
1.41% $1,000 - Learn MoreShow Less
24 Mo CD
1.46% $1,000 - Learn MoreShow Less
30 Mo CD
1.46% $1,000 - Learn MoreShow Less
36 Mo CD
1.51% $1,000 - Learn MoreShow Less
Special: 48 Mo CD
1.61% $1,000 $249,999 Learn MoreShow Less
48 Mo CD
1.61% $1,000 - Learn MoreShow Less
60 Mo CD
1.71% $1,000 - Learn MoreShow Less

Fixed IRA
1.36% $1,000 - Learn MoreShow Less
Special: 12 Mo FIRA
1.36% $1,000 $249,999 Learn MoreShow Less
Special: 48 Mo FIRA
1.61% $1,000 $249,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.62% $250 - Learn MoreShow Less

Loan Rates - January 17, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 5Star Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.517% 3.500% 0.25 $515 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to 5Star Bank
To upload and update your bank's rates please register. It is free to register and add rates.


5Star Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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5Star Bank Locations

Financial Details

5Star Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 5Star Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
5Star Bank U.S. Bank Average
0.14% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, 5Star Bank had $61,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $39,676,000 in equity and $2,879,000 in loans loss reserves. That gives it a Texas Ratio of 0.14%.

Return on Equity
5Star Bank U.S. Bank Average
6.76% 9.72%

5Star Bank has a Return on Equity of 6.76% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

5Star Bank U.S. Bank Average
15.83% 12.89%

5Star Bank has a Capitalization of 15.83% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

5Star Bank Balance Sheet Analysis

As of September 30, 2019, 5Star Bank had assets of $250,706,000, loans of $219,893,000, and deposits of $210,211,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.21 billion
Total deposits $0.21 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 73.19%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.21 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in 5Star Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Colorado, 5Star Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.83
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 16.17
Construction and Development Loans 12.58
Commercial Real Estate 55.88
Commercial and Industrial Loans 7.95
Farm Loans 0.00

Frequently Asked Questions About 5star Bank

Branches and Savings

Is 5star Bank FDIC insured?

Yes. It is covered under FDIC Certificate #91005.

Why does 5star Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 5star Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 5star Bank a commercial bank?


Where are 5star Bank locations?

See branch locations nearby.

Is 5star Bank open on Saturdays?

Is 5star Bank open on Sundays?

What time does 5star Bank open?

What time does 5star Bank close?

Are 5star Bank ATMs Open 24/7?

Do 5star Bank ATMs accept cash deposits?

Can 5star Bank customers use other ATMs?

Do 5star Bank branches have notaries?

Will 5star Bank notarize my document?

What address for 5star Bank should I put for incoming ACH transfers?

Will the 5star Bank branch print checks?

Do 5star Bank checks expire?

Does 5star Bank require US citizenship to open account?

Can 5star Bank close my account?

Does 5star Bank Report to credit bureaus?

Does 5star Bank Use Equifax?

What is 5star Bank's ACH Routing Number?

What is 5star Bank's SWIFT code?


Does 5star Bank offer mortgages?

Compare mortgage rates here.

Does 5star Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 5star Bank offer personal loans?

Compare personal loan rates here.

Does 5star Bank offer student loans?

Will 5star Bank cash a check?

Will 5star Bank redeem a savings bond?

Does 5star Bank cash savings bonds?

Will 5star Bank cash money orders?

Can 5star Bank issue a money order?

Does 5star Bank do currency exchange?

Background on The Bank

Who owns 5star Bank?

How long has 5star Bank been around?

Can 5star Bank transfer to other banks?

Does 5star Bank have quick pay?

Does 5star Bank accept rolled coins?

Will 5star Bank accept loose change?

Where is 5star Bank headquarters?

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