Five Star Bank
Roseville, California — FDIC-insured institution. Figures below are from its most recent quarterly call report.
call report · Jun 30 · FDIC BankFind
Institution
FDIC-insured bank subsidiary. Its quarterly call report covers the regulated bank only — it excludes any holding company’s non-bank arms (investment banking, asset management). Source: FDIC BankFind Suite (US-Government public domain).
| Location | Roseville, California |
| FDIC certificate | 35361 |
| As of (call report) | 2026-06-30 |
| Primary source | Verify at FDIC BankFind |
Regulatory profile
How this institution is chartered and supervised, from its FDIC registration and most recent call-report balance sheet. Source: FDIC (public).
| Primary federal regulator | Federal Deposit Insurance Corporation (FDIC) |
| Charter class | State-chartered, non-member |
| Established | 1999-12-20 |
| Deposit funding ratio | 89.4% of total assets (as of 2026-06-30) |
| Insurance status | FDIC-insured — active |
Parent holding company (consolidated)
FIVE STAR BANCORP files the FR Y-9C with the Federal Reserve as this bank’s holding company. Figures below are CONSOLIDATED across the whole group — including any non-bank businesses — and are not the FDIC-insured bank subsidiary’s own numbers above. Net income is calendar year-to-date as filed.
| Quarter end | Total assets | Total equity | Net income (YTD) | Tier-1 ratio |
|---|---|---|---|---|
| 2026-06-30 | $5.4B | $474M | $38M | 9.97% |
| 2026-03-31 | $5.0B | $459M | $19M | 10.45% |
| 2025-12-31 | $4.8B | $446M | $62M | 10.59% |
| 2025-09-30 | $4.6B | $431M | $44M | 10.77% |
| 2025-06-30 | $4.4B | $417M | $28M | 10.85% |
| 2025-03-31 | $4.2B | $406M | $13M | 11.01% |
| 2024-12-31 | $4.1B | $397M | $46M | 11.02% |
| 2024-09-30 | $3.9B | $390M | $32M | 10.93% |
Source: FR Y-9C filings (Federal Reserve, public domain), consolidated holding-company level.
How to read these figures
Net interest margin is what the bank earns on loans and securities minus what it pays for deposits and borrowings, as a share of earning assets. Return on assets and return on equity measure profitability. The efficiency ratio is non-interest expense over revenue — lower is better. The Tier 1 leverage ratio is core capital against average assets, a key gauge of how much loss a bank could absorb.
These come from the bank’s regulatory call report and reflect the FDIC-insured bank subsidiary only. New to these terms? The Oxford Ledge lessons walk through bank financials and credit from the ground up, and all tracked banks are ranked by assets.