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Overview / Commentary
800-776-2265
Peterson Air Force Base, 455 W. Paine St., Bldg. 1485
Colorado Springs, CO 80914

5Star Bank is headquartered in Colorado Springs and is the 48th largest bank in the state of Colorado. It is also the 3,387th largest bank in the nation. It was established in 1980 and as of June of 2014, it had grown to 25 employees at 4 locations. 5Star Bank has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 5Star Bank had $1.67 million in non-current loans and owned real-estate with $38.22 million in equity and loan loss allowances on hand to cover it. This gives 5Star Bank a Texas Ratio of 4.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for 5Star Bank experienced no significant changes from 1.28% as of June 30, 2013 to 4.36% as of June 30, 2014, resulting in a negative change of 240.98%. This indicates that the balance sheet and financial strength for 5Star Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, 5Star Bank has increased its total deposits by $725,000, resulting in 0.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 5Star Bank has shown is above average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 5Star Bank has $170.29 million in assets with $38.22 million in equity, resulting in a capitalization level of 22.44%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #91005
Year Established1980
Employees25
Primary RegulatorFDIC
Assets and Liabilities
Assets$170.29 million
Loans$106.16 million
Deposits$132.32 million
Equity Capital$37.17 million
Loan Loss Allowance$1.05 million
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$659,000
Historic Data - June 2013
Assets$168.86 million
Equity Capital$36.52 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$200,000
Profit Margin - Quarterly
Return on Assets1.83%
Return on Equity8.45%
Interest Income$3.35 million
Rates

Always verify rates and promotions with the bank or credit union. We are not 5Star Bank, we are a rate comparison website and can not provide official rates or promotions.

5Star Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Basic Savings

5Star Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$250k-Money Market

5Star Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Freedom NOW Checking

5Star Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.40%$1k-5 Year CD
1.10%$1k-4 Year CD
1.00%$1k-3 Year CD
0.75%$1k-30 Month CD
0.60%$1k-2 Year CD
0.50%$1k-18 Month CD
0.40%$1k-1 Year CD
0.30%$1k-6 Month CD

5Star Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.59%$250-60 Month Variable IRA
1.40%$1k-5 Year IRA
1.10%$1k-4 Year IRA
1.00%$1k-3 Year IRA
0.87%$250-36 Month Variable IRA
0.75%$1k-30 Month IRA
0.60%$1k-2 Year IRA
0.50%$1k-18 Month IRA
0.42%$250-24 Month Variable IRA
0.40%$1k-1 Year IRA
Locations


5Star Bank Locations
5 Star Bank - Downtown Branch101 S. Sahwatch, Suite 100Colorado Springs, CO 80903
5star Bank10989 New Allegiance DriveColorado Springs, CO 80921
5star BankPain and Stewart Streets, Building 1485, Peterson AfbColorado Springs, CO 80914