C
Five Star Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Five Star Bank
Rochester, NY
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Rating C
Asset Quality Index 5.20
Capitalization Index 9.80
Liquidity Index 1.30
Profitability Index 5.00
Stability Index 4.30
Company Info Five Star Bank
Rochester, NY
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FDIC Number 659
Phone Number (585) 786-1100
Website www.five-starbank.com
Asset Quality Five Star Bank
Rochester, NY
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1-Year Asset Growth 3.10%
5-Year Asset Growth 5.58%
5-Year Charge-Offs to Average Loans 0.19%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.64%
Non-Performing Loans to Capital 5.45%
Non-Performing Loans to Loans 0.85%
Balance Sheet Five Star Bank
Rochester, NY
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Total Assets 6.29B
Total Deposits 5.31B
Capital and Reserves Five Star Bank
Rochester, NY
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Capital 680.52M
Leverage Ratio 10.87
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 13.69
Liquidity Five Star Bank
Rochester, NY
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Hot Money Ratio 23.01%
Liquidity Ratio 2.19%
Profitability Five Star Bank
Rochester, NY
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5-Year Return on Average Assets 0.84%
Net Income 44.58M
Net Interest Spread 3.76%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 52.08%
Return on Assets 1.43%
Return on Equity 13.29%