Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs Five Star Bank
Metric by metric
| Measure | Tompkins Bank & Trust | Five Star Bank |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 41 | 59 (stronger) |
| Loan quality | 73 | 73 |
| Earnings | 75 | 77 (stronger) |
| Funding & liquidity | 40 (stronger) | 37 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 21st | 40th |
| Total assets | $8.8B | $6.3B |
| Deposits / shares | $7.2B | $5.3B |
| Capital ratio | 9.11% | 10.87% (stronger) |
| Problem loans | 0.80% (stronger) | 0.82% |
| Net charge-offs | 0.07% (stronger) | 0.27% |
| Return on assets | 1.38% | 1.42% (stronger) |
| Loans ÷ deposits | 91.2% | 88.7% (stronger) |
| Uninsured deposits | 41.3% (stronger) | 46.4% |
| Offices | 56 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | 12.7% |
Five Star Bank has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 3 and Five Star Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Buffalo, NY
- Batavia, NY
- Geneseo, NY
- Greece, NY
- Le Roy, NY
- Medina, NY
- Auburn, NY
- Warsaw, NY
- Caledonia, NY