Five Star Bank (Rochester, NY): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Five Star Bank, based in Rochester, New York, reported $6.3 billion in assets at June 30, 2026, up 3.1% from a year earlier. It holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 20% from a year earlier, to $22 million. The commercial and industrial book ($621 million) is worsening: 1.07% of it is past due or on nonaccrual, up from 0.09% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.81% of loans from 0.71% a year earlier.
As of June 30, 2026, Five Star Bank reported a CET1 capital ratio of 12.72%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 5.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 Chestnut St, Rochester, NY 14604
- County
- Monroe
- Metro Area
- Olean, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 26, 1881
- Former names
- First Tier Bank & Trust (1996-2005)
- Offices
- 48 domestic
- Employees (FTE)
- 615
- Domestic deposits
- $5.31B
- Allowance for credit losses
- $47.5M
- Net charge-offs (YTD)
- $6.4M
- Average total assets
- $6.27B
- Average total loans
- $4.68B
- Average interest-bearing deposits
- $5.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 659
- Fed RSSD
- 601416
- SEC CIK
- 862831 → filed by FINANCIAL INSTITUTIONS, INC.
- Website
- www.five-starbank.com →
- Parent Holding Company
- FINANCIAL INSTITUTIONS, INC. (RSSD 1032464) · FISI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Birmingham Martin Kearney | CEO | President & CEO |
| Plants William Jack Ii | CFO | Chief Financial Officer |
| Gary A. Pacos | CRO | Chief Risk Officer |
| Samuel J Burruano Jr | GC | Chief Legal Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Five Star Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Five Star Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Five Star Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Five Star Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.43% | 0.85% | 5.73% | 3.78% |
| Q1 2026 | 12.71% | 1.43% | 0.86% | 5.77% | 3.74% |
| Q4 2025 | 12.32% | 1.33% | 0.78% | 5.32% | 3.74% |
| Q3 2025 | 12.21% | 1.39% | 0.77% | 5.20% | 3.73% |
| Q2 2025 | 11.92% | 1.20% | 0.74% | 5.14% | 3.55% |
| Q1 2025 | 11.46% | 1.17% | 0.90% | 6.46% | 3.39% |
| Q4 2024 | 11.65% | -4.16% | 0.95% | 6.91% | 2.96% |
| Q3 2024 | 11.70% | 0.93% | 0.96% | 7.50% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 48 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Five Star Bank (main office) | Rochester , NY | 14604 | $982.8M |
| North Warsaw Branch | Warsaw , NY | 14569 | $318.0M |
| West Bath Branch | Bath , NY | 14810 | $251.2M |
| Auburn Branch | Auburn , NY | 13021 | $243.8M |
| Seneca Falls Branch | Waterloo , NY | 13165 | $191.1M |
| Allegany Branch | Allegany , NY | 14706 | $172.5M |
| Batavia West Branch | Batavia , NY | 14020 | $159.2M |
| Amherst Branch | Amherst , NY | 14221 | $146.1M |
| Geneva Plaza Branch | Geneva , NY | 14456 | $120.5M |
| Hornell Branch | Hornell , NY | 14843 | $119.8M |
| Attica Branch | Attica , NY | 14011 | $117.7M |
| Dansville Branch | Dansville , NY | 14437 | $108.8M |
| Geneseo Branch | Geneseo , NY | 14454 | $105.9M |
| Penn Yan Branch | Penn Yan , NY | 14527 | $103.4M |
| Canandaigua Branch | Canandaigua , NY | 14424 | $101.6M |
| Brockport Branch | Brockport , NY | 14420 | $101.6M |
| Mount Morris Branch | Mount Morris , NY | 14510 | $100.2M |
| Horseheads Branch | Horseheads , NY | 14845 | $92.6M |
| Leroy Branch | Le Roy , NY | 14482 | $91.5M |
| Orchard Park Branch | Orchard Park , NY | 14127 | $90.1M |
| Strykersville Branch | Strykersville , NY | 14145 | $87.6M |
| East Aurora Branch | East Aurora , NY | 14052 | $81.5M |
| Elmira Branch | Elmira , NY | 14901 | $79.8M |
| Yorkshire Branch | Yorkshire , NY | 14173 | $79.3M |
| Lakeville Branch | Lakeville , NY | 14480 | $78.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 3, 2005 | M&A | Acquired Bath National Bank merger for the acquired bank | SEC |
| December 3, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2005 | Structure Change | Acquired Bath National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Five Star Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in NY, rank 39 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 988 applications, 702 loans originated, $326.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 88 loans, $12.2M approved, $139K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Five Star Bank
What are Five Star Bank's total assets?
As of the Q2 2026 filing, Five Star Bank reported total assets of $6.29 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Five Star Bank headquartered?
Five Star Bank is headquartered in Rochester, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Five Star Bank founded?
Five Star Bank was established in 1881, per the FDIC institution directory.
Is Five Star Bank FDIC-insured?
Yes. Five Star Bank is an FDIC-insured commercial bank (FDIC Certificate #659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Five Star Bank?
Five Star Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Five Star Bank's CET1 capital ratio?
Five Star Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Five Star Bank operate?
Five Star Bank operates 48 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Five Star Bank's Texas Ratio?
Five Star Bank's Texas Ratio is 5.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Five Star Bank previously called?
The charter now named Five Star Bank has also operated as First Tier Bank & Trust (1996-2005), per FDIC structure-change records.
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