Five Star Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Five Star Bank of Rochester, NY against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.43% | 1.34% | +0.09% | 60th above |
| ROAE | 13.26% | 12.34% | +0.92% | 55th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.83% | -0.05% | 54th above |
| Efficiency Ratio | 51.33% | 58.97% | -7.64% | 72nd above |
| PPNR / Avg Assets | 1.94% | — | — | 64th above |
| Yield on Earning Assets | 5.72% | 5.71% | +0.01% | 61st above |
| Cost of Funds | 1.75% | 2.02% | -0.27% | 66th above |
| Net Interest Spread | 3.21% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 0.87% | -0.05% | 34th below |
| NPA / Total Assets | 0.63% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 1.00% | — | — | 30th below |
| ACL / NPLs (Coverage) | 121.77% | — | — | 31st below |
| Texas Ratio | 5.73% | 5.48% | +0.25% | 33rd below |
| Provision / NCO | 239.63% | — | — | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 14.99% | -2.27% | 37th below |
| Tier 1 Ratio | 12.72% | 15.02% | -2.30% | 37th below |
| Total Capital Ratio | 13.69% | — | — | 34th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.87% | 11.11% | -0.24% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.81% | 11.02% | -0.21% | 58th above |
| TCE / Tangible Assets | 10.12% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.56% | 86.99% | +2.57% | 47th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.66% | 85.57% | +2.09% | 45th below |
| Uninsured Deposit Ratio | 46.41% | 33.19% | +13.22% | 14th bottom |
| Wholesale Funding Ratio | 2.89% | — | — | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.10% | — | — | 33rd below |
| Loan Growth (Y/Y) | 4.78% | — | — | 44th below |
| Deposit Growth (Y/Y) | 2.18% | — | — | 30th below |
See Five Star Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Five Star Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Five Star Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Five Star Bank peer analysis.