C
Five Star Bank
WarsawNY
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Five Star Bank
Warsaw, NY
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Rating C
Asset Quality Index 5.10
Capitalization Index 9.10
Liquidity Index 1.90
Profitability Index 4.60
Stability Index 6.80
Company Info Five Star Bank
Warsaw, NY
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FDIC Number 659
Phone Number (585) 786-1100
Website www.five-starbank.com
Asset Quality Five Star Bank
Warsaw, NY
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1-Year Asset Growth 2.01%
5-Year Asset Growth 7.98%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.25%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 4.98%
Non-Performing Loans to Loans 0.77%
Balance Sheet Five Star Bank
Warsaw, NY
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Total Assets 6.25B
Total Deposits 5.37B
Capital and Reserves Five Star Bank
Warsaw, NY
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Capital 645.65M
Leverage Ratio 10.39
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 13.20
Liquidity Five Star Bank
Warsaw, NY
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Hot Money Ratio 21.53%
Liquidity Ratio 3.76%
Profitability Five Star Bank
Warsaw, NY
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5-Year Return on Average Assets 0.77%
Net Income 58.31M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.54%
Overhead Efficiency Ratio 54.68%
Return on Assets 1.25%
Return on Equity 12.52%