What is Five Star Bank's financial health grade?

Five Star Bank has a TFS Financial Health Grade of C (score: 74.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Five Star Bank have?

Five Star Bank has 49 branch locations across the United States.

Is Five Star Bank FDIC insured?

Yes, Five Star Bank is FDIC insured (Certificate #659).

What are the total assets of Five Star Bank?

Five Star Bank has total assets of $6.2B as reported in its most recent FDIC filing.

Five Star Bank

BankWarsaw, New York

www.five-starbank.com

Total Assets

$6.2B

Total Deposits

$5.3B

Branches

Established

1881

TFS Health Grade

74.5 / 100

Average financial health

How we grade

Five Star Bank is a bank headquartered in Warsaw, New York, established in 1881. With $6.2B in total assets and 49 branch locations, it has a TFS Financial Health Grade of C (74.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.44%(8%)

Total Capital Ratio

13.33%(10%)

Non-Performing Loan Ratio

0.77%

Profitability

Return on Assets (ROA)

1.28%(1%)

Return on Equity (ROE)

12.58%(10%)

Net Interest Margin

3.68%

Efficiency Ratio

54.50%(60%)

Lending & Liquidity

Total Loans

$4.7B

Loan-to-Deposit Ratio

87.22%

Net Charge-Off Ratio

0.24%

Growth

Asset Growth (YoY)

+2.54%

Deposit Growth (YoY)

+2.61%

Net Income

$79.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Five Star BankHQ	55 N Main St	Warsaw	NY	11
Five Star Bank	102 N Main St	Albion	NY	11
Five Star Bank	60 W Main St	Allegany	NY	11
Five Star Bank	5491 Sheridan Dr	Amherst	NY	11
Five Star Bank	26 Main St	Attica	NY	11
Five Star Bank	345 W Genesee St	Auburn	NY	11
Five Star Bank	401 W Main St	Batavia	NY	11
Five Star Bank	323 W Washington St	Bath	NY	11
Five Star Bank	2 West Ave	Brockport	NY	11
Five Star Bank	2222 Seneca St	Buffalo	NY	11
Five Star Bank	451 Elmwood Ave	Buffalo	NY	11
Five Star Bank	40-50 Fountain Plaza, Suite 150	Buffalo	NY	11
Five Star Bank	3110 Main St	Caledonia	NY	11
Five Star Bank	2425 Rochester Rd	Canandaigua	NY	11
Five Star Bank	27 Water St	Cuba	NY	11
Five Star Bank	152 Franklin St	Dansville	NY	11
Five Star Bank	32 Main St	Dundee	NY	11
Five Star Bank	211 Main St	East Aurora	NY	11
Five Star Bank	54 W Washington St	Ellicottville	NY	11
Five Star Bank	100 W Water St	Elmira	NY	11
Five Star Bank	4431 Genesee Valley Plz	Geneseo	NY	11
Five Star Bank	387 Hamilton St	Geneva	NY	11
Five Star Bank	2833 W Ridge Rd	Greece	NY	11
Five Star Bank	22 Shethar St	Hammondsport	NY	11
Five Star Bank	166 W Main St	Honeoye Falls	NY	11
Five Star Bank	7434 Seneca Rd N	Hornell	NY	11
Five Star Bank	309 S Main St	Horseheads	NY	11
Five Star Bank	3261 Rochester Rd	Lakeville	NY	11
Five Star Bank	124 W Main St	Le Roy	NY	11
Five Star Bank	327 N Main St	Medina	NY	11
Five Star Bank	45 E State St	Mount Morris	NY	11
Five Star Bank	184 S Main St	Naples	NY	11
Five Star Bank	3233 Southwestern Blvd	Orchard Park	NY	11
Five Star Bank	2168 Route 96a	Ovid	NY	11
Five Star Bank	3131 Silverback Ln	Painted Post	NY	11
Five Star Bank	129 Elm St	Penn Yan	NY	11
Five Star Bank	1940 Monroe Ave	Rochester	NY	11
Five Star Bank	3177 Chili Ave	Rochester	NY	11
Five Star Bank	395 Westfall Rd	Rochester	NY	11
Five Star Bank	100 Chestnut St	Rochester	NY	11
Five Star Bank	765 Calkins Rd	Rochester	NY	11
Five Star Bank	107 Main St	Salamanca	NY	11
Five Star Bank	3672 Route 78	Strykersville	NY	11
Five Star Bank	3 W Main St	Victor	NY	11
Five Star Bank	220 Liberty St	Warsaw	NY	13
Five Star Bank	2330 N Main St	Warsaw	NY	11
Five Star Bank	1940 Routes 5 & 20	Waterloo	NY	11
Five Star Bank	1 S Main St	Wayland	NY	11
Five Star Bank	12209 Route 16	Yorkshire	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.