Bank routing number ยท Rochester, New York
Five Star Bank Routing Number (ABA): 022304030
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The Five Star Bank routing number is 022304030. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Five Star Bank at a glance
Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $6.29B
- CET1 ratio, Q2 2026
- 12.72%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Domestic offices
- 48 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1881
Full financial profile · Is Five Star Bank safe? · Five Star Bank call report · Branch locations
Five Star Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 022304030 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Five Star Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 02, place this number in the Federal Reserve Bank of New York's district (District 2). Digits five through eight, 0403, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Five Star Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Five Star Bank checks or in its online banking. Ask the bank for wire instructions (www.five-starbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Five Star Bank
Five Star Bank is headquartered in Rochester, New York and was established in 1881. It is in the OLEAN, NY metro area. It reported $6.29B in total assets and $5.31B in deposits for Q2 2026, the 19th largest of the 105 banks headquartered in New York. It reports 48 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve. 12 other banks and credit unions headquartered in Rochester have a routing number listed here.
What the digits in 022304030 mean
The first four digits, 0223, are the Federal Reserve routing symbol. The prefix 02 places the number in the 2nd Federal Reserve District (New York). That is also the district where the bank is headquartered. Digits five through eight, 0403, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 3 + 7 x 5 + 6 = 50, a multiple of 10, so 022304030 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Five Star Bank routing number?
The Five Star Bank routing number is 022304030. It is the primary ABA routing transit number registered to Five Star Bank, headquartered in Rochester, NY. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Five Star Bank wire routing number?
This page lists the primary routing number registered to Five Star Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Five Star Bank before sending a wire.
Is ABA number 022304030 the routing number for Five Star Bank?
Yes. It is the primary routing number registered to Five Star Bank.
Which bank uses routing number 022304030?
It belongs to Five Star Bank, headquartered in Rochester, NY. It is the bank's primary ABA routing number (FDIC certificate 659).
Routing numbers in Rochester, NY
- Credit union
- ESL Federal Credit Union: 222371863
- Credit union
- The Summit Federal Credit Union: 222382315
- Bank
- Genesee Regional Bank: 022313021
- Credit union
- Advantage Federal Credit Union: 222382292
- Credit union
- Ukrainian Federal Credit Union: 222382221
- Credit union
- Family First of NY Federal Credit Union: 222382593
- Credit union
- St. Pius X Church Federal Credit Union: 222380579
- Credit union
- Ever $ Green Federal Credit Union: 222382205
View Five Star Bank's full profile →
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Regulator records: FDIC BankFind (cert 659) · FFIEC NIC profile (RSSD 601416)