Five Star Bank is a bank based in Rochester, New York, established in 1881, with $6.3 billion in total assets across 48 branches. By Trust Grade it ranks 23rd of 118 banks we track in New York. Its capital ratio of 10.7% is stronger than 57% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.42% return on assets. No consumer complaints against Five Star Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Five Star Bank compares to New York peers
How we graded Five Star Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.7% capital ratio)
- Strongly profitable (ROA 1.42%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Five Star Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (48)
- 102 N Main St, Albion, NY 14411
- 54 W Washington St, Ellicottville, NY 14731
- 27 Water St, Cuba, NY 14727
- 323 W Washington St, Bath, NY 14810
- 22 Shethar St, Hammondsport, NY 14840
- 7434 Seneca Rd N, Hornell, NY 14843
- 184 S Main St, Naples, NY 14512
- 387 Hamilton St, Geneva, NY 14456
- 2425 Rochester Rd, Canandaigua, NY 14424
- 129 Elm St, Penn Yan, NY 14527
- 1940 Routes 5 & 20, Waterloo, NY 13165
- 60 W Main St, Allegany, NY 14706
- 3110 Main St, Caledonia, NY 14423
- 2330 N Main St, Warsaw, NY 14569
- 3672 Route 78, Strykersville, NY 14145
- 45 E State St, Mount Morris, NY 14510
- 3261 Rochester Rd, Lakeville, NY 14480
- 12209 Route 16, Yorkshire, NY 14173
- 4431 Genesee Valley Plz, Geneseo, NY 14454
- 152 Franklin St, Dansville, NY 14437
- 309 S Main St, Horseheads, NY 14845
- 327 N Main St, Medina, NY 14103
- 401 W Main St, Batavia, NY 14020
- 2 West Ave, Brockport, NY 14420
- 166 W Main St, Honeoye Falls, NY 14472
- 2168 Route 96a, Ovid, NY 14521
- 3 W Main St, Victor, NY 14564
- 211 Main St, East Aurora, NY 14052
- 345 W Genesee St, Auburn, NY 13021
- 3233 Southwestern Blvd, Orchard Park, NY 14127
- 100 Chestnut St, Rochester, NY 14604
- 5491 Sheridan Dr, Amherst, NY 14221
- 1 S Main St, Wayland, NY 14572
- 2833 W Ridge Rd, Greece, NY 14626
- 765 Calkins Rd, Rochester, NY 14623
- 3177 Chili Ave, Rochester, NY 14624
- 3131 Silverback Ln, Painted Post, NY 14870
- 395 Westfall Rd, Rochester, NY 14620
- 124 W Main St, Le Roy, NY 14482
- 1940 Monroe Ave, Rochester, NY 14618
Are deposits at Five Star Bank insured?
Yes. Five Star Bank is an FDIC-insured bank (FDIC certificate #659). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Five Star Bank: frequently asked questions
Is Five Star Bank a good bank?
Five Star Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.7% capital ratio); Strongly profitable (ROA 1.42%).
Is Five Star Bank FDIC-insured?
Yes. Five Star Bank is a FDIC-insured bank (FDIC certificate #659). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Five Star Bank?
Five Star Bank holds $6.3 billion in total assets, ranking 23rd of 118 banks we track in New York. It operates 48 branches.
Does Five Star Bank have CFPB complaints?
No CFPB complaints against Five Star Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
