# FIVE STAR BANK
ROCHESTER, NY · FDIC certificate 659 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.29B | |
| Deposits | $5.31B | |
| Loans and leases | $4.76B | |
| Total equity | $680.5M | |
| Loans / deposits | 88.67% (p54 of band) | 87.10% |
| Liquid assets / assets | 17.19% (p33 of band) | |
| Uninsured deposits / deposits | 46.41% (p86 of band) | 30.76% |
| Brokered deposits | 2.62% | |
| Wholesale funding | 5.51% (p47 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 10.87% (p58 of band) | 10.50% |
| Unrealized securities loss / equity | -8.46% (p47 of band) | -7.75% |
| AOCI / equity | -1.52% (p8 of band) | |
| ROA (annualized) | 1.42% (p65 of band) | 1.26% |
| Net interest margin | 3.82% (p57 of band) | 3.70% |
| Efficiency ratio | 52.08% (p29 of band) | |
| Noncurrent loans | 0.82% (p66 of band) | 0.51% |
| Net charge-offs (annualized) | 0.20% (p86 of band) | |
| Reserve coverage of noncurrent | 121.77% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 96.17% (p86 of band) | |
| Auto loans | $760.4M (15.99% of loans; DQ 1.98%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 615 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | wholesale funding >15% |  |
| 2014-03 | 2 | capital falling | wholesale funding >15% |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | wholesale funding >15%, capital falling |  |
| 2015-03 | 2 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 1 |  | charge-offs p90, wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 | capital falling | wholesale funding >15% |
| 2016-12 | 3 | wholesale funding >15% |  |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | charge-offs p90, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | capital falling, charge-offs p90, construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | expense ratio p90 |  |
| 2024-06 | 2 |  | auto book souring, expense ratio p90 |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | losing money |  |
| 2025-03 | 1 |  | losing money |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [Five Star Bank - rbj.net](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1BTC1mVGVxaFZKRU82amVZQ1Z5MVpZb0xFTHAxcHI3YnktSlpJdEZoSV9lOXdYOUk1V3Y5UENMemRjSWFNSXBRMWFmMTVKUml3Wko3c0kxVQ?oc=5) · rbj.net
- 2026-06-25 [Five Star Bank Hires Gregory Helmer as First Vice President, Commercial Banking - Greater Rochester Chamber of Commerce](https://news.google.com/rss/articles/CBMiygFBVV95cUxQY0pyVFEwVkpVRE5Za2syOFphcVpLSWRTR3JNMjFLWlpRb2VPMDdFaEtLVlZZcFFFSmJrMi1nRWRMa2NPenQ3X0JjQmlLZnk1cjI0ek8tT2RkelRoU0tZa2xoLXJhb09KX1RpMW0yb2J2UDJpVEl0MU42ZjhqUEtsOGVpemRLZDVfRnAzVlpnOTMyUDdGUWJMUGlFSlo3NU1jMnJ4d2FWdW5SbjVqV01YdHdUZmpqdklBMTlHVGJvMDdQWTlSaFlHVTJR?oc=5) · Greater Rochester Chamber of Commerce
- 2026-09-04 [Buffalo man charged in Five Star Bank Robbery in Greece - RochesterFirst](https://news.google.com/rss/articles/CBMimAFBVV95cUxPa1NBOFMwcmJJQXR6MFFKXzNYRFFMM1JsRG5YMVlkZ0JJeS1oek51MDhZWmtOTVAwM3gtbkF0R1FkczdPbW1MNDhBeUVKOVZKVFBXcWMtakVzel9PWnBGSllHNDN4djlibkctTjhxYjFES01Ga2dCNHJvcWFoTjZGVmItN3hWVHk4czlOMFBlZlVNSWtFRGRGVtIBngFBVV95cUxQbUJLS1NBcnNxcC14Y2RuQ0xoY0EtaVhqTmxaZk1fQlVRaHUzRmtDQkRuUndHR1JNVUxfU1BMZFpXUHNEay0tZ2k4RFByTllCakdJM1d5dTQwWnE5czVxWXdnZHhtZjVZV0d0QzFVWTJZUWtsUjJxNThTMEZqRkFTYUpxQzFZSlduTDYwZXVnWmhqMS12bm9ZYUtwR1NxQQ?oc=5) · RochesterFirst
- 2026-01-28 [Five Star Bank will close Main Street location in Warsaw - TheDailyNewsOnline.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcVJNQllZbDVoRXo3Um41Z2dHUVlQMDY2b3lRR0pkU1lkMjR1ZjhTVHYyRFV2Ymc1SVNjTU9fUGZUN3JZbnNkOFRRLUF5bkhmckVwbVgwMm85WkEwOVJkcW03M3QtSzB2S3hzb3JqMHFnUmdfSUR0QkNDbXdNTWdBZDNUS1dhSGdxTml5VXoyUk95ZmVJS21UZjVmN3paN1I0Y01kbGNuWkEydkloT0E2b3NXRTNWWHJVTE4tell0MFR4NTN4UEN3TVZNTFBQRmZrdllsbXNOSGc0ZmhFcU5Z?oc=5) · TheDailyNewsOnline.com
- 2026-05-08 [Company news: Five Star Bank hires Eric Linder for Syracuse commercial banking - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-06-03 [UPDATE: RPD arrests man out on parole as suspect in robbery at Five Star Bank - WHEC.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPOHc5RUdNTXhCV3ZWVlhQMTlnZHF6VHNXZmUwSW0zVTZMMUNpbTE4dTM4NVJ6TFZiUVlmM1kzMjF5WFZSQU1RdUNaNXgtUDgxU0dtdmwtZllabERfampMZmhMZXp5czh0QWlZZGl1WTJrczkxblo2QnhHR1FaM1pXTm8yTDY3X1Z1Yi1wRk1oSDFraEFDYkRoZw?oc=5) · WHEC.com
- 2026-04-07 [Five Star Bank says receiver in Mott case fell short in duties - NY Daily Record](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVllra04wT1NZUi1MT0M0Zi1BNmNKcnlJcnEtV1o4cXpaXzhUcGNLUlFlX2xmdHh1TS1uY3JBUFh3bkdvbFFzZVRCbkJJbkJidUFma0ZoZVRTSUFEZDRsQ2J5ZGFNRHJpREJVMDVUWU82Qk9xdDRFOEpJQUFLenpMZy0xNGM3N0pBQ3ZMemNLdDlTZXVWZGJ4MEQ0T1R2aHFzNlE?oc=5) · NY Daily Record
- 2026-06-03 [Suspect charged in bank robbery in downtown Rochester - 13wham.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdjVjdEVOWEFCT0FQeGZ5Z3J4T1VXcHBIN01sYmN6NjJpZ0FzV1RWUjJDMy1BamY3LU9UOXZETUYwZU1Eb3FpQkZ3SHBiT2F3d3p5Z2ltMzRUZU95clpmLXJmNndTR1VJbUwyWFNkUUViZHhyLUpmVDVPSUZtbVVRbElhZjV1bnBEZWVDLTI2c2ozLV9DUENGd2xjczRvenVxaEFWNXc2bDdfTFcxaXJ1RQ?oc=5) · 13wham.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=659 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "659", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide