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Five Star Bank

Sponsor bank
BaaSSponsor Bank

Sponsor bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their sponsor bank.

fivestarbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service
Rank#60 of 199 in Sponsor Bank
Buyers3 companies
HeadquartersRoseville, California, United States
Founded1999

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How companies use Five Star Bank

3 companies name Five Star Bank in their stack. The most common role is sponsor bank (3). A company can use the same bank for more than one thing.

Sponsor bank3
Banking-as-a-Service1
Five Star Bank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for Five Star Bank. 2 aggregators connect to its accounts.

Reachable through
Mastercard Open Banking (formerly Finicity)Plaid
From Open Banking Tracker’s open dataset, record “Five Star Bank (CA)”. Full bank profile on Open Banking Tracker ↗
Background · from Five Star Bank’s own dossier

Five Star Bank is a California community business bank founded in 1999, serving business banking, commercial real estate, and SMB lending across Northern California. Parent Five Star Bancorp went public on Nasdaq (FSBC) and the bank has grown to over $5B in assets by 2026, remaining focused on local commercial banking rather than pursuing embedded finance / BaaS. Note: a distinct, unrelated 'Five Star Bank' operates in New York as a subsidiary of Financial Institutions, Inc. (NASDAQ: FISI) — the Numerated digital lending partnership belongs to that NY entity, not the California bank at five-starbank.com.

Full dossier: Five Star Bank’s own stack, layer by layer →
Who uses Five Star Bank
3 companies disclose Five Star Bank in their stack
AtmosNovelSafe Harbor Financial
Buyer mix · 3 of 3 classified
Fintech / SMB banking · 2Fintech / Lending · 1
US · 3
What the disclosures say
Atmos
“Five Star Bank publicly lists Atmos as a customer at bankingembedded.com/companies/atmos (TIER 1 known_customer listing).”
Novel
“bankingembedded.com publicly lists Blue Ridge Bank and Five Star Bank as Novel's banking partners.”
Safe Harbor Financial
“bankingembedded.com TIER 1 customer listing explicitly names Colorado, Pacific Valley Bank, and Five Star Bank as partners. shfinancial.org homepage states 'FDIC/NCUA Insured: Deposits held by our partner institutions are protected up to $250,000 per depositor, per ownership category.' Safe Harbor operates as an interm…”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Five Star Bank? Claim this profile above to unlock your own full list.
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What Five Star Bank runs on · from its own dossier
The third-party providers Five Star Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Five Star Bank.
Card Network
Mastercard
Insurance
New Hampshire Insurance CompanyAIG WarrantyGuardSedgwick Claims Management Services
Retirement / Wealth
Courier Capital
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust100 buyers →Sutton Bank64 buyers →Cross River63 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for Five Star Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #60 of 199 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/five-star-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/five-star-bank.svg"
       alt="Ranked #60 of 199 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/five-star-bank/install" width="1" height="1" alt="" style="display:none">

Five Star Bank — frequently asked

Which companies use Five Star Bank?

3 companies are linked to Five Star Bank in the Embedded Finance Index 2026, through their own public disclosures or Five Star Bank's published customer list, including Atmos, Novel and Safe Harbor Financial.

What do fintechs use Five Star Bank for?

Five Star Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (3) and banking-as-a-service (1).

What are the alternatives to Five Star Bank?

The most-named Sponsor Bank alternatives to Five Star Bank are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is Five Star Bank headquartered?

Five Star Bank is founded in 1999 and headquartered in Roseville, California, United States.

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