Five Star Bank (Rochester, NY)
BankRegReports is independent of Five Star Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Five Star Bank is an FDIC-insured commercial bank headquartered in Rochester, NY, established in 1881 (FDIC certificate 659), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $6.29B, up 3.1% from Q2 2025, the 19th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 659
- Headquarters
- Rochester, NY
- Established
- 1881
- Total assets, Q2 2026
- $6.29B
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 48 FDIC institution directory, current count
- Routing number
- 022304030
- Latest call report
- Q2 2026, FFIEC 041 · Five Star Bank call report
- Holding company
- FINANCIAL INSTITUTIONS, INC.
- Asset rank in state
- 19th of 105 in New York
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 0.82% and a Texas ratio of 5.73%. The figures come from its call report filed with the FFIEC.
Five Star Bank ranks as the 19th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $6.29B, loans rose 2.7% and deposits fell 0.7%. Non-owner-occupied commercial real estate loans made up 20.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 16.1%. The FDIC Summary of Deposits lists 48 offices for it, in 41 cities in NY; its Rochester 5 offices book 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Five Star Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 48 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Five Star Bank's total assets ran between $6.08B (Q4 2024) and $6.30B (Q1 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.29B total assets against $6.11B; $5.61B total liabilities against $5.48B.
$4.71B net loans and leases against $4.49B; $5.31B total deposits against $5.20B.
$989.8M securities against $1.01B; $92.5M cash and balances due against $86.4M.
$83.4M total interest income against $83.2M; $28.3M total interest expense against $32.7M.
$55.1M net interest income against $50.5M.
$7.5M total noninterest income against $7.5M; $32.1M total noninterest expense against $32.5M.
$3.1M provision for credit losses against $2.6M.
$22.4M net income against $18.7M.
1.43% return on assets against 1.20%; 3.78% net interest margin against 3.55%.
12.72% CET1 capital ratio against 11.92%; 10.87% tier 1 leverage ratio against 10.07%.
Inside the full Five Star Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 235 of 4,196, for total assets; its furthest is 1,491 of 2,134, for CET1 ratio.
Metric pages for Five Star Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -4.16% (Q4 2024) to 1.43% (Q2 2026) and its net interest margin ran from 2.96% (Q4 2024) to 3.78% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.43% | 0.82% | 5.73% | 3.78% |
| Q1 2026 | 12.71% | 1.43% | 0.83% | 5.77% | 3.74% |
| Q4 2025 | 12.32% | 1.33% | 0.77% | 5.32% | 3.74% |
| Q3 2025 | 12.21% | 1.39% | 0.74% | 5.20% | 3.73% |
| Q2 2025 | 11.92% | 1.20% | 0.71% | 5.14% | 3.55% |
| Q1 2025 | 11.46% | 1.17% | 0.88% | 6.46% | 3.39% |
| Q4 2024 | 11.65% | -4.16% | 0.92% | 6.91% | 2.96% |
| Q3 2024 | 11.70% | 0.93% | 0.92% | 7.50% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 48 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NY, rank 39 of 176 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Five Star Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Five Star Bank headquartered?
It is headquartered in Rochester, NY, United States.
When was Five Star Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Five Star Bank FDIC-insured?
Yes. It 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.
What is Five Star Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on Five Star Bank.
Get an email when Five Star Bank files its next call report, and benchmark it against any peer you choose.
Unlock Five Star Bank, freeFree account