Five Star Bank (Rochester, NY)
Five Star Bank (Rochester, NY) reported total assets of $6.3 bn at Q2 2026, up 3.1% on a year earlier, the 238th largest of 497 banks in our US coverage. The CET1 capital ratio at Five Star Bank (Rochester, NY) was 12.72%, and the uninsured share of Five Star Bank (Rochester, NY) was 46.41%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Five Star Bank (Rochester, NY) climbed from 349th to 260th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets Five Star Bank (Rochester, NY) apart
How large is Five Star Bank (Rochester, NY)?
The balance sheet of Five Star Bank (Rochester, NY) at : assets $6.3 bn, deposits $5.3 bn, net loans $4.7 bn (loans equal to 88.67% of deposits). Securities make up 15.7% of total assets at Five Star Bank (Rochester, NY). Since , when Five Star Bank (Rochester, NY) held $3.5 bn, its assets grew 80.6%. In the year to , deposits at Five Star Bank (Rochester, NY) rose 2.2% while its total assets rose 3.1%. At , Five Star Bank (Rochester, NY) employed 615 full-time equivalent staff across 48 offices, about $10.2 mn of assets per employee and $110.6 mn of deposits per office.
How much funding at Five Star Bank (Rochester, NY) is uninsured?
At Five Star Bank (Rochester, NY), uninsured deposits (above the FDIC limit) made up 46.41% of domestic deposits at (+6.65 pp on a year earlier); Five Star Bank (Rochester, NY) ranks 118th of 500 on this measure. In dollars, Five Star Bank (Rochester, NY) estimated $2.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.3 bn | +2.2% | 238th of 499 |
| Net loans and leases | $4.7 bn | +4.8% | 223rd of 500 |
| Loan-to-deposit ratio | 88.67% | +2.24 pp | 220th of 500 |
| Tier 1 leverage ratio | 10.87% | +0.80 pp | 184th of 500 |
| Total risk-based capital ratio | 13.69% | +0.79 pp | 283rd of 448 |
| Net interest margin | 3.82% | +0.26 pp | 195th of 500 |
| Return on assets (ROA) | 1.42% | +0.23 pp | 182nd of 500 |
| Efficiency ratio | 52.08% | -3.26 pp | 173rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $8.4 mn | Narrowed by $2.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $49.2 mn | Widened by $2.6 mn | |
| Noncurrent loans to total loans | 0.82% | +0.11 pp | 317th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.27% | -0.01 pp | 388th of 500 (1 = lowest) |
US rank of Five Star Bank (Rochester, NY): 1 = highest unless marked 1 = lowest.
Balance sheet
Five Star Bank (Rochester, NY): assets, deposits and loans
- Total assets $6.3bn
- Deposits $5.3bn
- Net loans $4.7bn
Capital and securities
The CET1 ratio of Five Star Bank (Rochester, NY) stood at 12.72% in , +0.80 pp year on year. Low and high at Five Star Bank (Rochester, NY) since : 10.27% () to 12.72% (). Equity capital of Five Star Bank (Rochester, NY) at : $680.5 mn, or 10.8% of total assets. Five Star Bank (Rochester, NY) also reported a total capital ratio of 13.69% for , and a tier 1 leverage ratio of 10.87%.
On held-to-maturity securities, Five Star Bank (Rochester, NY) carried an unrealized loss of $8.4 mn at , equal to 1.2% of equity capital. The loss narrowed by $2.2 mn over the year. Its deepest point: $17.7 mn in . The available-for-sale portfolio of Five Star Bank (Rochester, NY) showed an unrealized loss of $49.2 mn at ; the loss widened by $2.6 mn over the year.
Five Star Bank (Rochester, NY): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Five Star Bank (Rochester, NY): unrealized securities gains and losses
- Available for sale -$49mn
- Held to maturity -$8mn
Profitability and loan quality
For the year to , Five Star Bank (Rochester, NY) earned a return on equity of 13.29%; return on assets: 1.42%. Net interest margin at Five Star Bank (Rochester, NY): 3.82%, +0.26 pp in a year. Five Star Bank (Rochester, NY) net income: $44.6 mn, up 20.7% year on year. The efficiency ratio of Five Star Bank (Rochester, NY) was 52.08%: about 52 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.82% of total loans at Five Star Bank (Rochester, NY); net charge-offs: 0.27% of average loans. Gross loans and leases at Five Star Bank (Rochester, NY): $4.8 bn, up 4.8% in a year.
Five Star Bank (Rochester, NY): profitability
- Return on equity 13%
- Net interest margin 3.8%
- Return on assets 1.4%
Peer group of Five Star Bank (Rochester, NY)
The peer group of Five Star Bank (Rochester, NY) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Five Star Bank (Rochester, NY) (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Five Star Bank (Rochester, NY) shows CET1 ratio 12.72% against a peer median of 11.16%, return on equity 13.29% against a peer median of 13.68% and uninsured deposit share 46.41% against a peer median of 37.65%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| United Fidelity Bank, fsb | Federal savings bank | IN | $6.5 bn | 11.08% | -0.86% | 18.30% | |
| Choice Financial Group | State nonmember bank | ND | $6.4 bn | not reported | 11.42% | 26.47% | |
| Northbrook Bank and Trust Company | National bank | IL | $6.4 bn | 11.16% | 17.31% | 39.70% | |
| Five Star Bank | State member bank | NY | $6.3 bn | 12.72% | 13.29% | 46.41% | |
| Mercantile Bank | State nonmember bank | MI | $6.2 bn | 12.59% | 13.90% | 57.50% | |
| First International Bank & Trust | State nonmember bank | ND | $6.2 bn | 10.68% | 14.47% | 38.89% | |
| First Financial Bank | National bank | IN | $6.2 bn | 12.62% | 13.45% | 36.41% | |
. FDIC Call Reports.
Last eight quarters
Two years at Five Star Bank (Rochester, NY), to : assets +2.7%, deposits -0.3%, equity +25.4%. Staff 580 to 615; offices 49 to 48.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.1 bn | $6.1 bn | $6.3 bn | $6.1 bn | $6.2 bn | $6.2 bn | $6.3 bn | $6.3 bn |
| Total deposits | $5.3 bn | $5.2 bn | $5.4 bn | $5.2 bn | $5.4 bn | $5.3 bn | $5.3 bn | $5.3 bn |
| Bank equity capital | $542.6 mn | $595.5 mn | $616.4 mn | $626.8 mn | $645.6 mn | $662.3 mn | $670.1 mn | $680.5 mn |
| CET1 ratio | 11.70% | 11.65% | 11.46% | 11.92% | 12.21% | 12.32% | 12.71% | 12.72% |
| Return on equity (ROE) | 8.91% | -5.91% | 12.05% | 12.05% | 12.52% | 12.58% | 13.32% | 13.29% |
| Uninsured share of domestic deposits | 39.33% | 37.39% | 38.98% | 39.76% | 43.86% | 42.72% | 45.14% | 46.41% |
| Full-time equivalent employees | 580 | 568 | 583 | 607 | 595 | 599 | 603 | 615 |
| Number of offices | 49 | 49 | 49 | 49 | 49 | 49 | 49 | 48 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Five Star Bank (Rochester, NY) appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Five Star Bank (Rochester, NY)?
Five Star Bank (Rochester, NY) reported $6.3 bn at in its Call Report. That makes Five Star Bank (Rochester, NY) the 238th largest of 497 banks in our US coverage.
Is Five Star Bank (Rochester, NY) the same as its holding company?
No. This page covers Five Star Bank (Rochester, NY), FDIC certificate 659; FINANCIAL INSTITUTIONS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Five Star Bank (Rochester, NY) profitable?
Five Star Bank (Rochester, NY) reported net income of $44.6 mn for the year to ; annualized return on equity: 13.29%. So yes: Five Star Bank (Rochester, NY) made a profit over these months.
When is data for Five Star Bank (Rochester, NY) next updated?
Figures from Five Star Bank (Rochester, NY) for are due after .
Where can I check the figures for Five Star Bank (Rochester, NY)?
In the FDIC BankFind Suite record for certificate 659, and in the Call Reports of Five Star Bank (Rochester, NY) (RSSD ID 601416) at the FFIEC Central Data Repository.