Five Star Bank

Branches

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Five Star Bank Locations

Deposit Rates - April 20, 2021

SAVINGS RATES APY MIN MAX
CD RATES APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Compare
6 Mo CD
0.15% $100,000 $199,999 Compare
12 Mo CD
0.20% $10,000 $14,999 Compare
12 Mo CD
0.20% $100,000 $199,999 Compare
24 Mo CD
0.35% $10,000 $14,999 Compare
24 Mo CD
0.35% $100,000 $199,999 Compare
36 Mo CD
0.50% $10,000 $14,999 Compare
36 Mo CD
0.50% $100,000 $199,999 Compare
48 Mo CD
0.60% $10,000 $14,999 Compare
48 Mo CD
0.60% $100,000 $199,999 Compare
60 Mo CD
0.80% $10,000 $14,999 Compare
60 Mo CD
0.80% $100,000 $199,999 Compare
MM RATES APY MIN MAX
Money Market
0.25% $2,500 $2,999 Compare
Money Market
0.25% $10,000 $14,999 Compare
Money Market
0.25% $25,000 $29,999 Compare

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35361
Date Established 1999
Assets $ 1,953.47 million
Loans $ 1,485.79 million
Deposits $ 1,787.56 million
Capital $ 159.24 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 314.20 million
Interest-bearing balances $ 268.17 million
Total securities $ 122.93 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,485.79 million
Loan loss allowance $ 22.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.08 million
All other assets $ 26.81 million
     Total Assets $ 1,794.24 million

LIABILITIES
Total deposits $ 1,787.56 million
      Interest-bearing deposits $ 1,082.92 million
      Deposits held in domestic offices $ 1,787.56 million
      % insured (estimated) 38.05%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 6.68 millionn
      Total Liabilities $ 1,794.24 million
      Shareholders’ Equity $ 159.24 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 75.16 million
Total Interest Expense $ 7.41 million
Net interest income $ 67.75 million
Provision for loan and lease losses $ 9.00 million
Total non interest income $ 7.09 million
Total non interest expense $ 27.23 million
Pre-tax Net Operating Income $ 38.61 million

Five Star Bank is an FDIC insured institution headquartered at 2240 Douglas Blvd, Roseville, CA 95661.
It was founded in 1999 and has approximately $2 billion in assets. Customers can open an account at one of its 6 branches.

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL SAVINGS
    Bank
    CALIFORNIA
    $50,000
    N.A.
    0.25%
    2.19x (National Avg. - 0.11%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    ONLINE SAVINGS
    Online Bank
    -
    $50,000
    N.A.
    0.50%
    4.39x (National Avg. - 0.11%)
    $0
    -
    SCENARIO
    Year Rate
    0.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671