# FIVE STAR BANK
ROSEVILLE, CA · FDIC certificate 35361 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.38B | |
| Deposits | $4.81B | |
| Loans and leases | $4.52B | |
| Total equity | $528.1M | |
| Loans / deposits | 92.98% (p68 of band) | 87.10% |
| Liquid assets / assets | 14.47% (p20 of band) | |
| Uninsured deposits / deposits | 59.15% (p96 of band) | 30.76% |
| Brokered deposits | 2.92% | |
| Wholesale funding | 2.92% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.25% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -2.45% (p77 of band) | -7.75% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 1.62% (p75 of band) | 1.26% |
| Net interest margin | 3.81% (p56 of band) | 3.70% |
| Efficiency ratio | 37.32% (p6 of band) | |
| Noncurrent loans | 0.30% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 354.57% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 28.02% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 23.2% | |
| Employees | 256 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | brokered >10% |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits >50% |  |
| 2013-06 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2013-09 | 2 |  | wholesale funding >15% |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | brokered >10% |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 | wholesale funding >15% | capital falling |
| 2015-03 | 2 |  | wholesale funding >15% |
| 2015-06 | 4 | wholesale funding >15%, capital falling |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 4 | deposits shrinking |  |
| 2016-12 | 2 |  | wholesale funding >15%, deposits shrinking |
| 2017-03 | 3 | run vulnerability |  |
| 2017-06 | 3 | capital falling | run vulnerability |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | brokered >10% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | run vulnerability |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | capital falling, charge-offs p90, construction >100% equity |  |
| 2020-06 | 2 |  | uninsured deposits >50%, run vulnerability, charge-offs p90 |
| 2020-09 | 1 | uninsured deposits >50% | capital falling, construction >100% equity |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | uninsured deposits >50% |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | run vulnerability |  |
| 2022-09 | 0 |  | uninsured deposits >50%, capital falling, run vulnerability |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | loans exceed deposits |  |
| 2024-03 | 4 | liquid assets <10% |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-15 [Five Star Bank expands to Southern California, adds five key hires to support strategic growth - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQmZwQS1jV1FRYnU3aTlqM2V0MXk4eWxyc1NMWGpMdGJlTjJpNlNjRUlTTlNUVVA4X1U4M1dMSWIxU3hJYTliSDNpSXNIblNUdVhQVXBjYlJkb3ZmS2NabHExYVdBY0ZGTjg1dXQwX3NwN0tZTmRWOC1JbFFadTducktEdzVVeFFQLXNKUzBCMlpKZWZlM2pzNld5Ujk?oc=5) · Yahoo Finance
- 2026-07-15 [Five Star Bank adds four key hires in Palo Alto to support San Francisco Bay Area expansion - GlobeNewswire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPTzZHeGhDcWY2VzNjV2hnUlhueGJCZFctNVVSdk9KWXhuTDNZVVBhN3QwaHFzS3BlVERxYndCWm84QkpBMlZwSEtLUjc0YnIzZzFzRlFBWHVFZnczZWdnUDRyNVpiUUtIUjNBQi1xUy00a1FoYXJwd2gxME85WFREQmNVa1Q0bTB2QURhS1gyMFk3VWVxSl92anM3VUtybVk1Y2Z5b2NobmVBQWwwUFRzN2VHYjhuaHdEVG1tSXdrUU5ManVRMXhYUnFqRU9UWVdNaTNIOC1wa3NMbm9JcU9OMDcwaGZOOEZLVGluWVgxR05SNVdQV2c?oc=5) · GlobeNewswire
- 2026-06-23 [Five Star Bancorp to Open New Five Star Bank Full-Service Branch in Lodi - Quiver Quantitative](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSmk4a1Vmek5NUHBPc2doU2FwcTFmRlVMTzJEX2ZmSm1NQmZvck5MNm5ITzgtMXlLQ29tcHgzbVJ1aWd6ZGFnR3JsaGVsd1VheTZtSzRyb19oeU5XVXUxQmRNeDVSdU8xd2JyY0t5NnBSWlZKZGhiS0k2ekJjMTBJelg0eFdKYk9mOUpjZWljZVNxc1lIY1RHUG1yVjJmUUplb1gtM2VISTI?oc=5) · Quiver Quantitative
- 2026-02-02 [Five Star Bank eyes Bay Area expansion — but first it has to win the talent war - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNbDJYTDNQXzcyNVZaRTExaU5uUW1EWkJBVkVaN05UYkNUbGNvckJXZ21HUVl3bENCMmFfaVhaOTJxOWFqSEg1TzBSMGFGbDNHdW50WjY2eEd2emZxOGJJNW0zemhwUlFNQVRHcjRjcktPeVlybTZYSUE3SkpCcURnMThZbEFUZ3VzWVNiTHR4RzhKM3g0U3pNTUR5Mm5hNExHVVVQYlhvYVlxZUliREE?oc=5) · The Business Journals
- 2026-07-17 [Five Star expects to pay shareholders of record $0.25 on Aug. 10 - Stock Titan](https://news.google.com/rss/articles/CBMiowFBVV95cUxOU0s3MC1sRGxaaVIwa3pmelhPX0g0dEsxT3JLVHU0RWdPc0NPYUpqNG11TkRNN1k5UVJoZzItZlhWQVAzVDQ0U3dGWVVRQ3dNUmlMUjdLdXhWVGtkZUpYNURtUE1NUHp4YV91MElfZS1VTHZjWWhHR3c2REdpWGhIR3IzX1l6WVlCaVVqN29leVhtb2IybW5CVmxxVU1GWDMwTEN3?oc=5) · Stock Titan
- 2026-06-23 [Five Star Bancorp to open full-service branch in Lodi to serve Central Valley entrepreneurs and agribusinesses - GlobeNewswire](https://news.google.com/rss/articles/CBMijwJBVV95cUxPUlNDMDFoNEdxblEyRXBjYnRxdmZGWm93WnFxcV9Eb25aY2xmaXk1Wk1QcTB3a2Ryc1NoaGl0UExFbG94ZzNQanpGUEtLRk9qdDFMdFdPMVpjRVRjS3JWWnBtcmlmN2JEQ0ZxOGdXczEyc09QeFNxMkpDVVpyb2ZaMHNvRFpnd2RBOWh0cHJfNVliOGc1cnJFbkFNd2RWVVVUYmhDeHFUVFRYQS1tOEdxMmlPYVNFdFNEU19nREZ2WVhzc05PTmdoOUtEMmQtQ1k1TDhENENxY1R6NjNzOHNhRXpZdlplMm1Md2NoRndBMHE2aTRxTjJ1QlV6QUhYYkVQSkpHWWtJVnZ5V1VUbGlR?oc=5) · GlobeNewswire
- 2026-07-16 [Five Star Bank adds Palo Alto team in Bay Area expansion that taps former First Republic talent - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPWmJmVnZLbHlJTG1TMmFCWWRpZjJxdTFYdkd0YlZSNi1tcGxEN2c4aGItUldjZkw3OEVOZGt3eWpJWWxoYkpIcGZvYVc5ZW5xRFpvenJjeXpmRGl3d0EwS19mZ0JqOVF5d1d2eVRiY0JkVUVUcWhYSnF6ZktvNUx1emwxblQ0b2EtWjFSMUJGYmFDazFVdmVxTXc1ZklOMVZJTFNtOXR2ZmNodWlvWldGRFNR?oc=5) · The Business Journals
- 2026-04-09 [Five Star Bank announces commitment to a $10 million Low Income Housing Tax Credit Investment in the Marvel in the Mission, providing 136-units of permanent supportive housing to San Francisco residents - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc2VYcHdOQkdpVUNsa0tPRWsyMUVvYm55YlZDdEtvM1Z1SVU4QWFpYXJGa2ZHcFd6dDlvUG9wdDVNTHBIcWd2d3FkbkN1UVZJZkJmVlZ2NWpOaXF5bEdXb1B6Um1Ha0x1VEtJWkhINHNhVTBYa0NHMXR0NXpxbUdvNzNyOC04UDNaZkJUUjFTRXdyX1FpemxZUEVOZWh1UllJZlE?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35361 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "35361", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide