Five Star Bank

2240 Douglas Blvd
Roseville, CA 95661

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35361
Date Established 1999
Assets $1.38 billion
Loans $0.98 billion
Deposits $1.26 billion
Capital $0.12 billion

Five Star Bank is an FDIC insured institution located in Roseville, CA. It was founded in 1999 and has approximately $1.38 billion in assets. Customers can open an account at one of its 6 branches.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 $249,999 Learn MoreShow Less
6 Mo CD
0.15% $1,000 $249,999 Learn MoreShow Less
12 Mo CD
0.20% $1,000 $249,999 Learn MoreShow Less
24 Mo CD
0.35% $1,000 $249,999 Learn MoreShow Less
36 Mo CD
0.50% $1,000 $249,999 Learn MoreShow Less
48 Mo CD
0.60% $1,000 $249,999 Learn MoreShow Less
60 Mo CD
0.80% $1,000 $249,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Five Star Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Five Star Bank
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Branches

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

Your Location:
Fairfield,Connecticut


Five Star Bank Locations


Financial Details

Five Star Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Five Star 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
Five Star Bank U.S. Bank Average
1.1% 6.94%

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 March 31, 2019, Five Star Bank had $1,425,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $117,282,000 in equity and $11,887,000 in loans loss reserves. That gives it a Texas Ratio of 1.1%.

Return on Equity
Five Star Bank U.S. Bank Average
27.14% 9.47%

Five Star Bank has a Return on Equity of 27.14% versus the BestCashCow average of 9.47%. 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.

Capitalization
Five Star Bank U.S. Bank Average
8.51% 12.49%

Five Star Bank has a Capitalization of 8.51% versus the BestCashCow average of 12.49. 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.

Five Star Bank Balance Sheet Analysis

As of March 31, 2019, Five Star Bank had assets of $1,377,875,000, loans of $976,738,000, and deposits of $1,255,521,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.28 billion
Interest-bearing balances $0.26 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.98 billion
Loan loss allowance $0.01 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 $0.02 billion
     Total Assets $1.26 billion
LIABILITIES
Total deposits $1.26 billion
      Interest-bearing deposits $0.92 billion
      Deposits held in domestic offices $1.26 billion
      % insured (estimated) 37.65%
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 $0.01 billion
      Total Liabilities $1.26 billion
      Shareholders’ Equity $0.12 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 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 $0.01 billion

Bank Loan Profile?

The top three loan types in Five Star Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks, Five Star Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 3.59
Multifamily
Mortgages
14.53
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 7.34
Construction and Development Loans 6.12
Commercial Real Estate 58.36
Commercial and Industrial Loans 9.67
Farm Loans 1.22

Frequently Asked Questions About Five Star Bank

Branches and Savings

Is Five Star Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35361.

Why does Five Star Bank pay such low interest on savings accounts?

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

Why are Five Star Bank CD rates not competitive?

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

Is Five Star Bank a commercial bank?

Yes

Where are Five Star Bank locations?

See branch locations nearby.

Is Five Star Bank open on Saturdays?

Is Five Star Bank open on Sundays?

What time does Five Star Bank open?

What time does Five Star Bank close?

Are Five Star Bank ATMs Open 24/7?

Do Five Star Bank ATMs accept cash deposits?

Can Five Star Bank customers use other ATMs?

Do Five Star Bank branches have notaries?

Will Five Star Bank notarize my document?

What address for Five Star Bank should I put for incoming ACH transfers?

Will the Five Star Bank branch print checks?

Do Five Star Bank checks expire?

Does Five Star Bank require US citizenship to open account?

Can Five Star Bank close my account?

Does Five Star Bank Report to credit bureaus?

Does Five Star Bank Use Equifax?

What is Five Star Bank's ACH Routing Number?

What is Five Star Bank's SWIFT code?

Products

Does Five Star Bank offer mortgages?

Compare mortgage rates here.

Does Five Star Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Five Star Bank offer personal loans?

Compare personal loan rates here.

Does Five Star Bank offer student loans?

Will Five Star Bank cash a check?

Will Five Star Bank redeem a savings bond?

Does Five Star Bank cash savings bonds?

Will Five Star Bank cash money orders?

Can Five Star Bank issue a money order?

Does Five Star Bank do currency exchange?

Background on The Bank

Who owns Five Star Bank?

How long has Five Star Bank been around?

Can Five Star Bank transfer to other banks?

Does Five Star Bank have quick pay?

Does Five Star Bank accept rolled coins?

Will Five Star Bank accept loose change?

Where is Five Star Bank headquarters?

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