FIVE STAR BANK

WARSAW, NY | Large | Est. Dec. 26, 1881, midnight | FDIC #659 | RSSD #601416 | FED
Latest Report: 2025-12-31

FIVE STAR BANK is aln large FDIC-insured commercial bank headquartered in WARSAW, NY, established in Dec. 26, 1881, midnight. As of 2025-12-31, the bank reported total assets of $6.2B and total deposits of $5.3B. Profitability stands at 1.34% ROA and 12.77% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 12.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 4.96%. FDIC Certificate #659.

Assets

$6.2B

Deposits

$5.3B

Loans

$4.7B

Equity

$662M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 12.77%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.92%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.23%
Texas Ratio 4.96%
NPA Ratio 0.56%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.32%
Tier 1 Capital 12.32%
Total Capital Ratio 13.33%
Leverage Ratio 10.44%
Loan-to-Deposit 88.12%

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