Five Star Bank
Rochester, New York, Monroe County
$6.3B in total assets, the 248th largest of 4,309 US banks and 28th of 126 headquartered in New York.
- FDIC certificate
- 659
- Established
- 1881
- Owned by
- Financial Institutions Inc
- Primary regulator
- FED
- Website
- www.five-starbank.com
At a glance
Compared with 44 banks headquartered in New York with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.3B | 84% | $2.4B | |
| Loans | $4.8B | 89% | $1.9B | |
| Deposits | $5.3B | 86% | $2.0B | |
| Return on assets | 1.39% | 80% | 1.03% | |
| Net interest margin | 3.82% | 80% | 3.49% | |
| Efficiency ratio | 52.1% | 18% | 59.5% | |
| Equity to assets | 10.81% | 60% | 9.98% | |
| Loans to deposits | 90% | 56% | 86% |
Growth
Total assets grew 3.7% a year over the last 5 years and 5.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2005 | Bath National Bank Bath, NY, an affiliate under the same holding company | $461M |
| Dec 2005 | National Bank of Geneva Geneva, NY, an affiliate under the same holding company | $650M |
| Dec 2005 | Wyoming County Bank Warsaw, NY, an affiliate under the same holding company | $731M |
Where they operate
48 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Monroe County, NY | $1.4B | 6.8% | 7 of 16 |
| Steuben County, NY | $564M | 38.9% | 1 of 6 |
| Wyoming County, NY | $561M | 42.7% | 1 of 5 |
| Livingston County, NY | $443M | 36.6% | 1 of 5 |
| Erie County, NY | $404M | 0.6% | 9 of 20 |
| Cattaraugus County, NY | $366M | 22.1% | 2 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (50 to 48, −4.0%). 6 opened, 0 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 50 | |||
| 2016 | Opened Rochester | 2 | 0 | +2 | 52 |
| 2017 | Opened Buffalo | 1 | 0 | +1 | 53 |
| 2020 | Closed 6 in New York | 0 | 6 | −6 | 47 |
| 2021 | Opened BuffaloClosed Lakewood | 2 | 1 | +1 | 48 |
| 2022 | Opened Warsaw | 1 | 0 | +1 | 49 |
| 2026 through Q2 | Closed Rochester | 0 | 1 | −1 | 48 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 28% | 27% | |
| Consumer | 17% | 5% | |
| 1-4 family residential | 16% | 25% | |
| Construction and land | 14% | 5% | |
| Business (C&I) | 13% | 20% | |
| Multifamily | 11% | 12% | |
| Other | 1% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 54% | |
| Time deposits | 31% | 27% | |
| Noninterest-bearing | 18% | 19% |
Brokered deposits are 3.1% of deposits (peers 3.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.81% | 0.62% |
| Net charge-offs, annualized | 0.27% | 0.03% |
| Reserves to loans | 1.00% | 1.00% |
| Leverage ratio | 10.87% | 10.12% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in Monroe County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/five-star-bank-rochester-ny