Five Star Bank
Headquartered in Rochester, NY. Part of Financial Institutions, Inc. FDIC certificate #659 · Federal Reserve RSSD 601416.
Total assets
$6.3B
Deposits
$5.3B
Q1 2026
Active branches
48
Closings since Jan 2020
9
4 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$22M
Return on assets
1.42%
Return on equity
13.32%
Noncurrent loan rate
0.83%
Deposits by year (Summary of Deposits)
32019
42020
52021
52022
52023
52024
52025
Values in $ billions, June 30 of each year.
Closings by year
62020
12021
22026
Openings by year
22021
12022
12026
Other network changes since 2020
- 3 branch relocations
Branches by state
Recent closings
- 55 N MAIN ST · closed May 1, 2026
- 100 CHESTNUT ST · closed March 29, 2026
- Five Star Bank — Lakewood, NYbank exits city284 EAST FAIRMOUNT AVE · closed January 15, 2021
- Five Star Bank — Olean, NYbank exits city129 NORTH UNION STREET · closed October 23, 2020
- 19 SOUTH MAIN STREET · closed October 23, 2020
- Five Star Bank — Elmira Heights, NYbank exits city217 PRESCOTT AVENUE · closed October 23, 2020
- 567 EAST MAIN STREET, STORE #1 EASTOWN PLAZA · closed October 23, 2020
- 44 LIBERTY STREET · closed October 23, 2020
- 2 SENECA STREET · closed October 23, 2020
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.five-starbank.com.