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Five Star Bank
Rochester, NY · FDIC Certificate #659 · Chartered 12/2
Total assets
$6.29B
Total deposits
$5.31B
Total equity
$680.51M
Net loans
$4.71B
Branches (offices)
48
Net income (YTD)
$44.58M
Rank: #241 of 4,213 U.S. banks by assets · #24 of 115 in New York. Assets changed 3.1% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 13.29% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 10.81% |
| Tier 1 leverage ratio | 10.87% |
| Uninsured deposits (share of deposits) | 46.4% |
| Noncurrent loans (share of loans) | 0.82% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 69.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.27B | 69.5% | |
| Commercial & industrial | $621.37M | 13.2% | |
| Consumer / individual | $803.22M | 17.1% | |
| Construction & development | $654.47M | 13.9% | |
| Agricultural | $5.80M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.53B | $4.84B | $32.08M | $452.97M |
| Jun 2023 | $6.10B | $5.07B | $27.45M | $445.20M |
| Jun 2024 | $6.10B | $5.15B | $19.42M | $511.60M |
| Jun 2025 | $6.11B | $5.20B | $36.94M | $626.82M |
| Jun 2026 | $6.29B | $5.31B | $44.58M | $680.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $5.31B | 48 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.31B.
Similar-sized banks
Northbrook Bank And Trust Company, National Association ($6.37B) · Mercantile Bank ($6.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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