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Overview / Commentary
916-626-5000
6810 Five Star Boulevard
Rocklin, CA 95677

Five Star Bank (CA) is headquartered in Rocklin and is the 73rd largest bank in the state of California. It is also the 1,093rd largest bank in the nation. It was established in 1999 and as of June of 2014, it had grown to 52 employees at 5 locations. Five Star Bank (CA) 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 Five Star Bank (CA) had $4.87 million in non-current loans and owned real-estate with $56.34 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank (CA) a Texas Ratio of 8.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Five Star Bank (CA) decreased dramatically from 16.95% as of June 30, 2013 to 8.64% as of June 30, 2014, resulting in a positive change of 49.01%.This indicates that the balance sheet and financial strength for Five Star Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Five Star Bank (CA) has increased its total deposits by $73.72 million, resulting in 15.06% 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 excellent.

Capitalization

GRADE:
C+

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 $615.3 million in assets with $56.34 million in equity, resulting in a capitalization level of 9.16%, which is average.

Institution Statistics

Overall
FDIC Certificate #35361
Year Established1999
Employees52
Primary RegulatorFDIC
Assets and Liabilities
Assets$615.31 million
Loans$454.22 million
Deposits$563.27 million
Equity Capital$50.44 million
Loan Loss Allowance$5.90 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$2.12 million
Historic Data - June 2013
Assets$540.89 million
Equity Capital$49.78 million
Loan Loss Allowance$6.29 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$5.72 million
Profit Margin - Quarterly
Return on Assets2.14%
Return on Equity24.8%
Interest Income$11.50 million
Rates

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Five Star Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Capital Green Savings
0.25%--Savings

Five Star Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$2,500-Money Market

Five Star Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Interest Checking

Five Star Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.45%--Over 24 Months
0.25%--12-24 Month IRA
Locations


Five Star Bank (CA) Locations
Five Star Bank Natomas Branch2400 Del Paso Road, Suite 100Sacramento, CA 95834
Rancho Cordova Branch3100 Zinfandel DriveRancho Cordova, CA 95670
Redding Branch358 Hartnell Ave, Suite BRedding, CA 96002
Five Star Bank6810 Five Star BoulevardRocklin, CA 95677
Elk Grove Branch9355 East Stockton Blvd.Elk Grove, CA 95624