Five Star Bank
Warsaw, NY
IDRSSD: 601416
Total Assets
$6.24B
Latest filing
Total Deposits
$5.29B
Latest filing
Net Interest Margin
3.82%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
022304030WARSAW, NY022315207WARSAW, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Five Star Bank
55 N Main St
Warsaw, NY 14569
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/26/1881FDIC Certificate 431
Branches (48)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Five Star Bank (Main) | 55 N Main St | Warsaw, NY |
| ALBION BRANCH | 102 N Main St | Albion, NY |
| ELLICOTTVILLE BRANCH | 54 W Washington St | Ellicottville, NY |
| CUBA BRANCH | 27 Water St | Cuba, NY |
| WEST BATH BRANCH | 323 W Washington St | Bath, NY |
| HAMMONDSPORT BRANCH | 22 Shethar St | Hammondsport, NY |
| HORNELL BRANCH | 7434 Seneca Rd N | Hornell, NY |
| NAPLES BRANCH | 184 S Main St | Naples, NY |
Showing 7 of 48
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/26/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14569 |
| State and County Number | 36121 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 595 |
| Domestic Offices | 49 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.five-starbank.com |
| Data Updated | 01/30/2026 |
| CERT | 659 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.24B |
| Total Deposits | $5.29B |
| Total Liabilities | $5.57B |
| Total Equity Capital | $662.25M |
| Net Income | $20.88M |
| Net Loans and Leases | $4.61B |
| Assets Per Employee ($Millions) | $10.41M |
| Bank Premises and Fixed Assets | $66.30M |
| Cash and Balances due from Depository Institutions | $102.15M |
| Deposits Held in Domestic Offices | $5.29B |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 12.77% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 53.98% |
| Tier 1 Risk-Based Capital Ratio | 12.323% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.621% |
| Earning Assets to total Assets | 91.41% |
Income and Expense
| Total Interest Income | $85.02M |
| Total Noninterest Income | $8.06M |
| Total Interest Expense | $30.85M |
| Total Noninterest Expense | $33.59M |
| Net Interest Income | $54.17M |
| Pre-tax Net Operating Income | $25.23M |
| Provision for Credit Losses | $3.40M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $94.00k |
| Other borrowed funds | $159.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $97.49M |
| Total Liabilities and Capital | $6.24B |
Securities
| Securities | $1.01B |
| Available-for-sale debt securities | $922.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $84.71M |
| Subordinated Debt | $0 |
| Trading Account Assets | $26.82M |
| Trading Liabilities | $26.82M |
Frequently Asked Questions
What are the total assets of Five Star Bank?
$6.24B as of the latest filing.
How much are Five Star Bank's total deposits?
$5.29B in total deposits.
Where is Five Star Bank located?
Warsaw, NY.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
49.
When was it established?
12/26/1881.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$4.61B (latest filing).
What is the total interest income (latest filing)?
$85.02M.