🏦Bank Scorer

FIVE STAR BANK

ROSEVILLE, CA · Supervised by FDIC

Est. 1999FDIC #35,361RSSD: FDIC-35361
Part ofFIVE STAR BCORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.64%

Institution Profile

FDIC BankFind

Address

2240 Douglas Blvd, ROSEVILLE, CA

County

Placer County

Established

December 20, 1999

Total Assets

$5.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.0B

Total Deposits

$4.5B

Net Loans

$4.2B

Net Income

$20M

ROA

1.64%

ROE

15.85%

Risk-Based Capital

12.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.58%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$3.9B

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,07173.2%11.58%
20231,53273.37%14.36%
20221,46576.11%13.11%
20211,89079.58%10.11%
20202,27979.55%9.87%
20191,71579.42%11.55%
20181,53078.89%11.76%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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