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 Five Star Bank
Five Star Bank
| RSSD ID 601416 | CERTIFICATE 659 | ABA NUMBER 22304030 |
| 55 N Main St |
Quarter Ended : |
2025-12-31 |
| Warsaw, New York, 14569 |
Updated : |
2026-02-03 |
| www.five-starbank.com |
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| Institution Profile |
| Year Opened : |
1881 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
49 |
Number of Employees : |
599 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 6,235,224 |
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Total Interest Income | 334,404 |
| Total Liabilities | 5,572,971 |
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Total NonInterest Income | 31,198 |
| Total Bank Equity Capital | 662,253 |
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Total Interest Expense | 128,221 |
| Total Deposits | 5,289,662 |
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Total NonInterest Expense | 129,370 |
| Net Loans & Leases | 4,610,480 |
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Net Income | 79,188 |
| Loan Loss Allowance | 47,386 |
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Net Charge Offs | 10,891 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 702,088 |
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Total loans | 4,630,695 |
| Total assets for the leverage ratio | 6,220,810 |
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Loans secured by real estate: | 3,132,710 |
| Tier 1 Leverage Ratio | 10.44 |
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Commercial and industrial loans | 592,361 |
| Tier 1 Capital Ratio | 12.32 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.33 |
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Loans to individuals - Other | 859,192 |
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:· Five Star Bank
