Five Star Bank

Five Star Bank of Rochester, NY, chartered 1881: 48 offices, $6.29bn in assets, a 10.87% leverage ratio. Straight from the federal record.

Five Star Bank is an FDIC-insured community bank headquartered in Rochester, NY, chartered in 1881. It is supervised by the Federal Reserve and held by Financial Institutions Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Five Star Bank has branches

48 full-service offices across 1 state:

• New York: 48 offices in 41 towns, holding $5.20bn at 30 June 2025

Five Star Bank on its latest Call Report, 30 June 2026

• Total assets: $6.29bn
• Total deposits: $5.31bn
• Tier 1 leverage ratio: 10.87%
• Total risk-based capital ratio: 13.69%
• Noncurrent loans, as a share of loans: 0.82%
• Return on assets: 1.42%
• Net interest margin: 3.82%
• Staff: 615

Compare Five Star Bank against every other bank with a branch in New York, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.