# 5STAR BANK
COLORADO SPRINGS, CO · FDIC certificate 91005 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $378.2M | |
| Deposits | $312.1M | |
| Loans and leases | $303.5M | |
| Total equity | $64.4M | |
| Loans / deposits | 96.09% (p83 of band) | 82.04% |
| Liquid assets / assets | 18.41% (p27 of band) | |
| Uninsured deposits / deposits | 45.11% (p92 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.24% (p94 of band) | 10.81% |
| Unrealized securities loss / equity | -0.70% (p88 of band) | -8.10% |
| AOCI / equity | 0.25% (p88 of band) | |
| ROA (annualized) | 1.86% (p83 of band) | 1.28% |
| Net interest margin | 5.15% (p95 of band) | 3.91% |
| Efficiency ratio | 52.02% (p22 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p77 of band) | |
| Reserve coverage of noncurrent | 726.32% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 37.59% (p44 of band) | |
| Auto loans | $51,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -11.0% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 2 | assets shrinking |  |
| 2013-03 | 3 | deposits shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 0 |  | uninsured deposits leaving, assets shrinking, deposits shrinking |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 4 | capital falling, NIM <2.5%, reserve under noncurrent, assets shrinking |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 | uninsured deposits leaving | NIM <2.5% |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 1 | uninsured deposits leaving | reserve under noncurrent, assets shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | loans exceed deposits | capital falling |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2019-09 | 1 |  | liquid assets <10% |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | assets shrinking |  |
| 2022-06 | 2 | deposits shrinking |  |
| 2022-09 | 5 | loans exceed deposits, construction >100% equity, uninsured deposits leaving |  |
| 2022-12 | 3 |  | construction >100% equity, uninsured deposits leaving |
| 2023-03 | 4 | liquid assets <10% |  |
| 2023-06 | 4 | uninsured deposits leaving | assets shrinking |
| 2023-09 | 2 |  | deposits shrinking, liquid assets <10% |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 0 |  | loans exceed deposits |
| 2025-03 | 1 | loans exceed deposits |  |
| 2025-06 | 0 |  | loans exceed deposits |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

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

- 2017-11-06 [Colorado Springs bank brings its brand of community banking to Denver - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQMVhGTTQ1ZG9Xc0g5b0hmdEEyMUdvTWlXSDgzck1Yc1psMnJhY1ZXY2NXU3pIUkYwb1RnRkNLdTJ1WUwxZ2tBQ1U1WUdQRVBkYjZ0MHJXcHB4cW1fQl9WeDJoU0diMU1pWkctai1CTXhxYTFtbm0zWGhEM0RaLXh1U25KWm96ME5sOFQyNXFNOVB1MjRvdkhjVGRTTVdmQ084Y1lnNmlhYm84dw?oc=5) · The Business Journals
- 2011-09-12 [What's in a Name? - American Banker](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YRENHSndkOHZXMTZnVmFOVHFYbWpiSFE0STRFaUV4STdXdXFfd2dxYUdXYXBDQkt2aFVhY2NYUm1jUHNJcGRkaDFwMEdLXzdxT3owQU9iYkNCa3J6b1lkalEycXpmQ1E?oc=5) · American Banker
- 2026-01-08 [The Best Savings Accounts in Colorado for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFB2Q3N1SFZVRXlWT1lCcE1NQ0M3ZUxOTGEzRlNub0pMeXNhM1ZxUS1hb0EyVE95TkZCbHVHY1BDemdkZFdYMktCWXpxWUZ6dzkwcEgyS1pjMllwWVotc1VNX0xac3YtNkdiWndER1d0cDlETzY2ckd2ZQ?oc=5) · moneyrates.com
- 2026-07-29 [Nearly 3,000 pounds of rotting meat discovered in former Basalt meat shop after foreclosure - The Sopris Sun](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTVAxempxMk1hSmFmak1od0lKWldpLUVCOFFscUlSckhkc1VwTzhXSEQ3M1liT0J1LWlmU0psS05HeHByMkwxNmtkQ3d4NUtRUGVoWDFScDhGYXZ5VkdGUnFDNVVQUC1lU1QyVExXZy11UFFfYXpRd0dOLUswUXpZNFlkQWo1azJicWxpSVdTM0FkMk5WR091R2p2bzVxSlFJRDRHdTYzSTJSRF85ME40UUVrVQ?oc=5) · The Sopris Sun
- 2021-10-27 [Michael J. Murphy - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaUlOUHJ1ZjhHcU1tUmNHZHdGcmdGRHZSdjM5TWp0cXcyWkw3eWhWbGlOY0FWeDZ1Y2FWRU5CWTg4b1hhWkNNbHp3dXA4eTY3WVFUTWxZdnpOZ1hpSEZzNDJDVVk1a3BBUTVPX1k1N2NteTZUOG1DNkVXNThYU0FBU1FFS09oWHZHTl9lb3hidjViZw?oc=5) · Colorado Springs Gazette
- 2021-09-17 [Why a massive national bank is connecting borrowers to local Denver-area lenders - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQM3JYZzVCRlA1OHdDelhSWHVtVkRDTnI1dUdmWS1LTlJZWGNoeU55U0hFaG41cHV3MzRBNi0xV3g2cW1RU1RCUloyVmk3NDAya0ZqS1liZ2pHRUo4QmZjNk1tTTFJV2FGLTY3c1hwc2w1OUxzVmtfTlJ1LTl1bkV1SWZYUmtQT1g4T044bV9EcUNQYzM1QjREZ1Z0SjhaazFkbm4zeGdLdw?oc=5) · The Business Journals
- 2002-02-16 [Credit-Card Rates Hit All-Time Low - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5nVUppZzJ2aENORjFpdmREamxTZEw1c0h4UVplUVhFSVpLQXRXMHp6N0RqVmhRRXJwLS0zcHV1c3NQOWdtb2VXb09EWGR0X3ByT0xIMTA3UG9CLWVsVVE?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=91005 (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/61.json (key "91005", 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