CA lenders / Community Bank
Five Star Bank
Community Bank · Roseville, CA · Five Star Bcorp
- Total assets
- $5.0B
- CRE loan book
- $3.5B
- QoQ CRE growth
- 4.0%
- Q1 2026
Recorded CRE activity — johnson County
1 commercial deed of trust recorded recently, verified from county records.
- Jun 16, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.77% as of Q1 2026 — TX bank median 4.87% (0.91pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.77% | 6.01% |
| Q4 2025 | 5.90% | 6.15% |
| Q3 2025 | 5.93% | 6.21% |
| Q2 2025 | 5.76% | 6.09% |
| Q1 2025 | 5.57% | 5.93% |
| Q4 2024 | 5.67% | 6.06% |
| Q3 2024 | 5.65% | 6.00% |
| Q2 2024 | 5.54% | 5.83% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $3.5B | $128.1M | $1.3B | 521% | $2.1M |
| Q4 2025 | $3.4B | $106.1M | $1.3B | 510% | $2.7M |
| Q3 2025 | $3.3B | $143.5M | $1.2B | 506% | $1.9M |
| Q2 2025 | $3.2B | $119.0M | $1.2B | 501% | $2.2M |
| Q1 2025 | $3.1B | $122.1M | $1.1B | 497% | $1.7M |
| Q4 2024 | $3.0B | $119.4M | $1.1B | 490% | $1.8M |
| Q3 2024 | $2.9B | $100.7M | $1.1B | 486% | $1.8M |
| Q2 2024 | $2.9B | $85.9M | $1.0B | 484% | $1.8M |
Signals
Recent news
- FSBC|Five Star Bancorp|Price:47.250|Chg%:-0.170 - TradingKey — Coverage of Five Star Bank related to commercial real estate and lending reported by tradingkey.com.Jul 31, 2026
- FSBC|Five Star Bancorp|Price:47.390|Chg%:-0.440 - TradingKey — Coverage of Five Star Bank related to commercial real estate and lending reported by tradingkey.com.Jul 30, 2026
- Five Star Bancorp (FSBC) Earnings And Equity Raise Put Valuation Back In Focus - simplywall.st — Coverage of Five Star Bank related to earnings reported by simplywall.st.Jul 29, 2026
- The Bull Case For Five Star Bancorp (FSBC) Could Change Following Q2 Beat, Equity Raise And Dividend - Learn Why - simplywall.st — Coverage of Five Star Bank related to commercial real estate and lending reported by simplywall.st.Jul 27, 2026
- FSBC|Five Star Bancorp|Price:47.170|Chg%:-0.070 - TradingKey — Coverage of Five Star Bank related to commercial real estate and lending reported by tradingkey.com.Jul 25, 2026
- Five Star Bancorp (FSBC) Stock Faces Rising Non Performing Loans Challenging Bullish Credit Narratives - simplywall.st — Coverage of Five Star Bank related to lending reported by simplywall.st.Jul 24, 2026
- Five Star Bancorp Director Larry Allbaugh Buys $4.3 Million in Shares. What Does This Mean for Investors? - The Globe and Mail — Coverage of Five Star Bank related to commercial real estate and lending reported by theglobeandmail.com.Jul 24, 2026
- Five Star Bank adds Palo Alto team in Bay Area expansion that taps former First Republic talent - The Business Journals — Coverage of Five Star Bank related to commercial real estate and lending reported by bizjournals.com.Jul 16, 2026
Five Star Bank: frequently asked questions
- How large is Five Star Bank's commercial real estate loan book?
- As of Q1 2026, Five Star Bank reported $3.5B in commercial real estate loans out of $5.0B in total assets, per its FFIEC Call Report.
- Is Five Star Bank above the 300% CRE concentration guideline?
- Five Star Bank's CRE loans stood at 521% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Five Star Bank growing or shrinking its CRE lending?
- Five Star Bank's CRE loan book grew 4.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Five Star Bank in recorded CRE lending?
- 1 commercial deed of trust naming Five Star Bank as lender has been recorded recently in johnson County, verified from county records; the most recent was recorded Jun 16, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Union Bank and Trust CompanyCommunity Bank · Lincoln · $3.5B CRE book
- Pinnacle BankCommunity Bank · Lincoln · $3.5B CRE book
- Burke & Herbert Bank & Trust CompanyCommunity Bank · Alexandria · $3.7B CRE book
- Peapack Private Bank & TrustCommunity Bank · Bedminster · $3.4B CRE book
- First Mid Bank & Trust, National AssociationCommunity Bank · Mattoon · $3.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.