Five Star Bank is a state-chartered bank (fed member) headquartered in Rochester, New York, in business for about 145 years. At the end of Q2 2026 it reported $6.3B in total assets and $5.3B in deposits, with 48 offices.
Based on its Q2 2026 filing, Five Star Bank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 52nd. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is funding & liquidity (37/100; 89% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 58 |
| Q4 2024 | 48 |
| Q1 2025 | 62 |
| Q2 2025 | 64 |
| Q3 2025 | 65 |
| Q4 2025 | 64 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.53% |
| Q3 2024 | 9.89% |
| Q4 2024 | 9.79% |
| Q1 2025 | 9.88% |
| Q2 2025 | 10.07% |
| Q3 2025 | 10.39% |
| Q4 2025 | 10.44% |
| Q1 2026 | 10.73% |
| Q2 2026 | 10.87% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.73% |
| Q4 2024 | -0.50% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $6.3B | 10.87% | 0.82% | 1.42% | 88.7% |
| Q1 2026 | 66 | $6.3B | 10.73% | 0.83% | 1.42% | 85.7% |
| Q4 2025 | 64 | $6.2B | 10.44% | 0.77% | 1.28% | 87.2% |
| Q3 2025 | 65 | $6.3B | 10.39% | 0.74% | 1.26% | 84.6% |
| Q2 2025 | 64 | $6.1B | 10.07% | 0.71% | 1.20% | 86.4% |
| Q1 2025 | 62 | $6.3B | 9.88% | 0.88% | 1.18% | 83.1% |
| Q4 2024 | 48 | $6.1B | 9.79% | 0.92% | -0.50% | 86.0% |
| Q3 2024 | 58 | $6.1B | 9.89% | 0.92% | 0.73% | 81.9% |
| Q2 2024 | 60 | $6.1B | 9.53% | 0.56% | 0.63% | 85.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TrustCo BankBank Glenville, NY | 62 out of 100, Moderate | $6.5B | 8.4% | 0.40% | vs |
| The Canandaigua National Bank and Trust CompanyBank Canandaigua, NY | 60 out of 100, Moderate | $5.4B | 9.0% | 0.83% | vs |
| Bank of IndiaBank New York, NY | 48 out of 100, Below average | $7.4B | 0.0% | 0.00% | vs |
| Ridgewood Savings BankBank Ridgewood, NY | 64 out of 100, Moderate | $7.5B | 13.3% | 1.85% | vs |
| Arrow Bank National AssociationBank Glens Falls, NY | 66 out of 100, Moderate | $4.5B | 9.3% | 0.24% | vs |
| Bessemer Trust Company, National AssociationBank New York, NY | 70 out of 100, Strong | $4.2B | 7.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Five Star Bank?
Yes. Five Star Bank is an FDIC-insured institution (FDIC certificate #659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.4% of deposits ($2.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.69% (benchmark: 10%).
48 locations
Branches
Five Star Bank lists 47 offices in 41 cities. Most locations:
- Rochester, NY (5)
- Buffalo, NY (3)
- Albion, NY (1)
- Allegany, NY (1)
- Amherst, NY (1)
- Attica, NY (1)
- Auburn, NY (1)
- Batavia, NY (1)
- Bath, NY (1)
- Brockport, NY (1)
- Caledonia, NY (1)
- Canandaigua, NY (1)
HMDA 2025
Mortgage lending
In 2025, Five Star Bank reported 966 home-loan applications under HMDA (LEI 5493006LH4LKHY2EIN26): 702 originated ($326,300,000 total), 105 denied, and 140 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Five Star Bank
- Former names
- Salamanca Trust Company; First Tier Bank & Trust
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 659
- RSSD ID
- 601416
- Primary regulator
- FED
- Holding company
- Financial Institutions Inc
- Established
- December 26, 1881
- Headquarters
- 100 Chestnut St, Rochester, NY 14604
- Website
- www.five-starbank.com
- Employees
- 615
Quick answers
Five Star Bank: common questions
Is Five Star Bank FDIC insured?
Yes. Five Star Bank is an FDIC-insured institution (FDIC certificate #659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Five Star Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Five Star Bank ever failed?
There is no failure record for FDIC certificate #659 in the FDIC failed bank list.
How many branches does Five Star Bank have?
48 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rochester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Finger Lakes Federal Credit UnionCredit union Geneva, NY | 96 out of 100, Very strong | $259.5M | 15.1% | 0.10% | vs |
| ESL Federal Credit UnionCredit union Rochester, NY | 90 out of 100, Very strong | $10.8B | 16.4% | 0.90% | vs |
| Le Roy Federal Credit UnionCredit union Le Roy, NY | 86 out of 100, Very strong | $21.1M | 11.4% | 0.37% | vs |
| Westside Community Federal Credit UnionCredit union Churchville, NY | 84 out of 100, Strong | $25.7M | 11.0% | 0.00% | vs |
| Greece Community Federal Credit UnionCredit union Rochester, NY | 83 out of 100, Strong | $13.0M | 12.3% | 0.05% | vs |
| Genesee Co-Op Federal Credit UnionCredit union Rochester, NY | 78 out of 100, Strong | $47.5M | 23.4% | 1.55% | vs |