BanksFIVE STAR BANK

FIVE STAR BANK

WARSAW, NYLargeEst. Dec. 26, 1881, midnightFDIC #659RSSD #601416FED
Latest · 2025-12-31

FIVE STAR BANK is an 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%. CET1 capital ratio: 12.32%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 4.96%. Operates 49 domestic branches.

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 Margin3.77%
Yield on Assets5.92%
Cost of Funds2.26%

Asset Quality

NPL Ratio0.75%
Net Charge-Off Ratio0.23%
Texas Ratio4.96%
NPA Ratio0.56%
ACL / Loans1.02%

Capital & Liquidity

CET1 Ratio12.32%
Tier 1 Capital12.32%
Total Capital Ratio13.33%
Leverage Ratio10.44%
Loan-to-Deposit88.12%

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