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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Five Star Bank

Roseville, California · $5.38B in assets · beside the 11 other California banks between $3B and $10B

The filing

94.0%
Loans / deposits
11th of 12
69.4%
CRE / loans
11th of 12
+20.3%
Loans, year over year
2nd of 12, largest first

Five Star Bank is the seventh largest of the 12 California banks nearest its size between $3B and $10B, with $5.38B in assets at 30 June 2026. Loans are 94.0% of deposits, 11th of 12 against a median of 85.8%, and equity is 9.8% of assets, 10th of 12. Loans grew +20.3% in the year, 2nd of 12, and deposits grew 23.2%; the cohort's median loan growth is +3.5%.

Noncurrent loans are 0.30% of the book, 6th of 12 against a median of 0.30%; 0.03% is 30 to 89 days past due, and the allowance covers them 3.5 times. Commercial real estate is 69.4% of loans, 11th of 12 against a median of 40.4%, and 536% of capital, above the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.57%, 4th of 12 against a median of 1.34%, on an efficiency ratio of 37.3%, 3rd of 12. Five years ago it was 2.09%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.4% of loans).

Commercial real estate, share of loansCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 40.4% FB Fremont Bank 24.7% AB American Business Bank 29.5% FM Farmers & Merchants Bank Central California 32.2% Bo Bank of Stockton 36.9% CB CTBC Bank Corp. USA 38.5% RB Royal Business Bank 38.7% SM SMBC Manubank 42.1% CW Community West Bank 48.3% WB Westamerica Bank 50.7% CB California Bank of Com N.A. 53.4% FS Five Star Bank 69.4% RC River City Bank 87.3%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.5% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% CB California Bank of Com N.A. +3.8% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Five Star Bank is the 64th largest 7(a) lender into California of 512, with $194M across 645 loans, 0.3% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 350 of its 482 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sacramento, CA$47M13th of 1702.1%-1.4 pts
Los Angeles, CA$35M74th of 3080.2%-0.3 pts
Placer, CA$17M11th of 1222.1%-1.7 pts
Orange, CA$16M70th of 2560.2%-0.4 pts
Santa Clara, CA$10M50th of 1870.4%+0.2 pts
New York, NY$10M50th of 2080.3%-1.3 pts
Cook, IL$9M84th of 2820.1%-0.4 pts
San Diego, CA$9M74th of 2380.2%-0.3 pts
Maricopa, AZ$9M83rd of 3030.1%-0.1 pts
Travis, TX$9M63rd of 2390.3%-0.6 pts
Miami-Dade, FL$9M72nd of 2150.2%-0.4 pts
Broward, FL$8M64th of 2090.3%-0.6 pts
Dallas, TX$7M115th of 3140.1%-0.3 pts
469 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services481$130M22.5%0.40%42nd of 1,955
Retail trade268$74M12.8%0.12%137th of 2,589
Other services169$48M8.3%0.14%124th of 2,248
Arts, entertainment & recreation93$43M7.4%0.30%65th of 1,656
Construction162$42M7.3%0.13%124th of 2,063
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Five Star Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans FS Five Star Bank 0.3% $194M · 645 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Five Star BankRankCohort median
Total CRE against capital, the 300% screen536%11th of 12215%
Construction against capital, the 100% screen25%9th of 1219%
Construction and land development, share of loans3.3%7th of 123.2%
Non-owner-occupied nonfarm nonresidential, share of loans35.4%8th of 1227.5%
Total CRE, the guidance definition, share of loans69.4%11th of 1240.4%
CRE growth over 36 months, the third prong+44.8%9th of 12+13.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
California Bank of Com N.A.$4.02B1.5%54.8%0.29%0.01%1.1%92.5%15.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Five Star BankCohort median
20212026Change20212026Change
Loans$1.59B$4.52B+185%$2.10B$3.43B+64%
Deposits$2.07B$4.81B+132%$3.28B$4.79B+46%
NPA / loans0.03%0.30%+0.27 pts0.16%0.30%+0.14 pts
Efficiency38.3%37.3%-1.0 pts54.6%47.3%-7.4 pts
ROA2.09%1.57%-0.53 pts1.37%1.34%-0.03 pts

This read was prepared for Five Star Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Five Star Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.fivestarbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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