Five Star Bank (CA) is headquartered in Rocklin and is the 77th largest bank in the state of California. It is also the 1,194th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 53 employees at 5 locations. Five Star Bank (CA) has a B+ health rating.
Data for Q1 2014
Institution Health
Texas Ratio
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 March 31, 2014 Five Star Bank (CA) had $4.89 million in non-current loans and owned real-estate with $55.92 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank (CA) a Texas Ratio of 8.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Five Star Bank (CA) decreased dramatically from 17.38% as of March 31, 2013 to 8.75% as of March 31, 2014, resulting in a positive change of 49.64%.This indicates that the balance sheet and financial strength for Five Star Bank (CA) has improved dramatically in recent periods.
Deposit Growth
In the past year, Five Star Bank (CA) has decreased its total deposits by -$14.82 million, resulting in -2.82% 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 Five Star Bank (CA) has shown is below average.
Capitalization
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. Five Star Bank (CA) has $561.41 million in assets with $55.92 million in equity, resulting in a capitalization level of 9.96%, which is above average.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 35361 |
| Year Established | 1999 |
| Employees | 53 |
| Primary Regulator | FDIC |
| Assets and Liabilities | |
|---|---|
| Assets | $561.41 million |
| Loans | $430.60 million |
| Deposits | $509.80 million |
| Equity Capital | $50.10 million |
| Loan Loss Allowance | $5.83 million |
| Unbacked Noncurrent Loans | $2.78 million |
| Real Estate Owned | $2.12 million |
| Historic Data - March 2013 | |
|---|---|
| Assets | $576.60 million |
| Equity Capital | $50.54 million |
| Loan Loss Allowance | $6.40 million |
| Unbacked Noncurrent Loans | $2.78 million |
| Real Estate Owned | $5.51 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.93% |
| Return on Assets | 2.18% |
| Return on Equity | 24.64% |
| Interest Income | $5.65 million |
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Five Star Bank (CA) Savings Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.30% | - | - | Capital Green Savings | |
| 0.25% | - | - | Savings |
Five Star Bank (CA) Money Market Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.25% | $2,500 | - | Money Market |
Five Star Bank (CA) Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.25% | - | - | Interest Checking |
Five Star Bank (CA) CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.80% | $1k | - | 60 Month CD | |
| 0.80% | $100k | - | 60 Month Jumbo CD | |
| 0.65% | $100k | - | 48 Month Jumbo CD | |
| 0.60% | $1k | - | 48 Month CD | |
| 0.50% | $100k | - | 36 Month Jumbo CD | |
| 0.45% | $1k | - | 36 Month CD | |
| 0.40% | $100k | - | 24 Month Jumbo CD | |
| 0.30% | $1k | - | 24 Month CD | |
| 0.25% | $100k | - | 12 Month Jumbo CD | |
| 0.20% | $1k | - | 12 Month CD | |
| 0.15% | $1k | - | 6 Month CD | |
| 0.15% | $100k | - | 6 Month Jumbo CD | |
| 0.10% | $1k | - | 3 Month CD | |
| 0.10% | $100k | - | 1 Month Jumbo CD | |
| 0.10% | $100k | - | 3 Month Jumbo CD |
Five Star Bank (CA) IRA Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.45% | - | - | Over 24 Months | |
| 0.25% | - | - | 12-24 Month IRA |
| Five Star Bank (CA) Locations | ||
|---|---|---|
| Five Star Bank Natomas Branch | 2400 Del Paso Road, Suite 100 | Sacramento, CA 95834 |
| Rancho Cordova Branch | 3100 Zinfandel Drive | Rancho Cordova, CA 95670 |
| Redding Branch | 358 Hartnell Ave, Suite B | Redding, CA 96002 |
| Five Star Bank | 6810 Five Star Boulevard | Rocklin, CA 95677 |
| Elk Grove Branch | 9355 East Stockton Blvd. | Elk Grove, CA 95624 |