Five Star Bank (FDIC #35361): Bank Stress & Real-Estate Credit Exposure
Five Star Bank (FDIC Cert #35361): bank stress 59/100, moderate, STABLE over 7 days; parent FIVE STAR BCORP.
Five Star Bank (#35361) lends in 7 counties across 1 state; Five Star Bank (#35361) reaches 230 ZIP codes: California 7 counties, 230 ZIPs.
Five Star Bank (#35361) largest markets: Sacramento County, CA (174 branches, 58 ZIPs) (#35361), Contra Costa County, CA (49 branches, 49 ZIPs) (#35361), Placer County, CA (34 branches, 34 ZIPs) (#35361), San Francisco County, CA (30 branches, 30 ZIPs) (#35361), Shasta County, CA (30 branches, 30 ZIPs) (#35361), Butte County, CA (21 branches, 21 ZIPs) (#35361).
Five Star Bank (#35361) reports $5.38 billion in total assets; Five Star Bank (#35361) equity $528.1 million (9.8% of Five Star Bank (#35361) assets); Five Star Bank (#35361) domestic deposits $4.81 billion; Five Star Bank (#35361) net income $41.0 million; Five Star Bank (#35361) return on assets 1.62%; Five Star Bank (#35361) return on equity 15.97%; Five Star Bank (#35361) net interest income $93.1 million; Five Star Bank (#35361) call report June 30, 2026.
Five Star Bank (#35361) noncurrent real-estate loans: none reported; Five Star Bank (#35361) net charge-offs on real estate 0.34%; Five Star Bank (#35361) residential charge-offs 0.60%.
Five Star Bank (#35361) net interest margin 3.81% against an eight-quarter Five Star Bank (#35361) average of 3.65% (Five Star Bank (#35361) compression -0.16 points); Five Star Bank (#35361) non-residential real estate 59.5% of equity; Five Star Bank (#35361) rate-exposure score 40/100, Five Star Bank (#35361) fixed-rate trap 40/100; Five Star Bank (#35361) risk type credit driven; Five Star Bank (#35361) rate regime rates elevated, Five Star Bank (#35361) snapshot October 20, 2026.
Five Star Bank (#35361) stress score moved from 55.8 on June 22, 2026 to 58.7 on October 20, 2026; Five Star Bank (#35361) ranged 55.8 to 58.7 over 117 snapshots.
Five Star Bank (#35361) alerts: 7 counties; top Five Star Bank (#35361) alert scores: San Francisco County, CA 41 (moderate); Sacramento County, CA 39 (moderate); Chico County, CA 21 (low); Redding County, CA 21 (low); Roseville County, CA 21 (low).