Five Star Bank
Roseville, CA
IDRSSD: 2867337
Total Assets
$4.75B
Latest filing
Total Deposits
$4.21B
Latest filing
Net Interest Margin
3.85%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
121143037ROSEVILLE, CA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Five Star Bank
2240 Douglas Blvd
Roseville, CA 95661
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/20/1999FDIC Certificate 78823
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Five Star Bank (Main) | 2240 Douglas Blvd | Roseville, CA |
| FIVE STAR BANK - NATOMAS OFFICE BRANCH | 2400 Del Paso Rd | Sacramento, CA |
| FIVE STAR BANK - RANCHO CORDOVA OFFICE BRANCH | 3100 Zinfandel Dr | Rancho Cordova, CA |
| FIVE STAR BANK - REDDING OFFICE BRANCH | 358 Hartnell Ave | Redding, CA |
| FIVE STAR BANK - CHICO OFFICE BRANCH | 1370 E Lassen Ave | Chico, CA |
| FIVE STAR BANK YUBA CITY OFFICE BRANCH | 855 Harter Pkwy | Yuba City, CA |
| FIVE STAR BANK - ELK GROVE BANKING OFFICE BRANCH | 9250 Laguna Springs Dr | Elk Grove, CA |
| SAN FRANCISCO BRANCH | 345 California Street | San Francisco, CA |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/20/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95661 |
| State and County Number | 06061 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Sacramento-Roseville-Folsom, CA |
Operational Info
| Number of Employees | 228 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/20/1999 |
| Primary Insurance Agency | DIF |
| Website | www.fivestarbank.com |
| Data Updated | 01/30/2026 |
| CERT | 35361 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.75B |
| Total Deposits | $4.21B |
| Total Liabilities | $4.25B |
| Total Equity Capital | $501.07M |
| Net Income | $19.09M |
| Net Loans and Leases | $4.03B |
| Assets Per Employee ($Millions) | $20.4M |
| Bank Premises and Fixed Assets | $12.91M |
| Cash and Balances due from Depository Institutions | $506.95M |
| Deposits Held in Domestic Offices | $4.21B |
Key Performance Ratios
| Return on Assets (ROA) | 1.63% |
| Return on Equity (ROE) | 15.47% |
| Net Interest Margin | 3.85% |
| Efficiency Ratio | 38.15% |
| Tier 1 Risk-Based Capital Ratio | 11.894% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.544% |
| Earning Assets to total Assets | 96.8% |
Income and Expense
| Total Interest Income | $66.93M |
| Total Noninterest Income | $1.21M |
| Total Interest Expense | $23.20M |
| Total Noninterest Expense | $17.14M |
| Net Interest Income | $43.73M |
| Pre-tax Net Operating Income | $25.00M |
| Provision for Credit Losses | $2.80M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $41.60M |
| Total Liabilities and Capital | $4.75B |
Securities
| Securities | $96.89M |
| Available-for-sale debt securities | $94.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.21M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Five Star Bank?
$4.75B as of the latest filing.
How much are Five Star Bank's total deposits?
$4.21B in total deposits.
Where is Five Star Bank located?
Roseville, CA.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
9.
When was it established?
12/20/1999.
What is the Return on Assets (ROA)?
1.63%.
How much are total loans and leases?
$4.03B (latest filing).
What is the total interest income (latest filing)?
$66.93M.