5Star Bank: how it compares with its peers
Against 33 CO banks with half to twice its assets, 5Star Bank's strongest measure in Q2 2026 is net interest margin (5.15% vs. a 4.09% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $7.9M).
| Measure | 5Star Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.18% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.15% | 4.09% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.02% | 67.41% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.9M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.09% | 81.97% | Context |
What it means for lending operations
Its efficiency ratio of 52.02% is better than the 67.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First FarmBank Greeley, CO · $384M
- FlatIrons Bank Boulder, CO · $370M
- San Luis Valley Federal Bank Alamosa, CO · $390M
- Native American Bank, National Association Denver, CO · $362M
- Alamosa State Bank Alamosa, CO · $340M
- Farmers State Bank of Calhan Calhan, CO · $416M
Questions about 5Star Bank
How big is 5Star Bank?
5Star Bank, established in 1980, is headquartered in Colorado Springs, CO. It reported $378M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is 5Star Bank's return on assets?
1.86% annualized in Q2 2026, against a 1.18% median for 33 CO banks with half to twice its assets, ahead of 73% of them.
What is 5Star Bank's efficiency ratio?
52.02% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 67.41%, and lower is better.
Is 5Star Bank growing its loans?
Net loans shrank 9.2% over the year to Q2 2026, while deposits shrank 11.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.