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Overview / Commentary
55 North Main Street
Warsaw, NY 14569

Five Star Bank is headquartered in Warsaw and is the 27th largest bank in the state of New York. It is also the 260th largest bank in the nation. It was established in 1881 and as of December of 2013, it had grown to 607 employees at 52 locations. Five Star Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Five Star Bank had $14.32 million in non-current loans and owned real-estate with $270.89 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank a Texas Ratio of 5.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Five Star Bank experienced no significant changes from 2.47% as of December 31, 2012 to 5.29% as of December 31, 2013, resulting in a negative change of 114.28%. This indicates that the balance sheet and financial strength for Five Star Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Five Star Bank has increased its total deposits by $58.8 million, resulting in 2.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Five Star Bank has shown is above average.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Five Star Bank has $2.92 billion in assets with $270.89 million in equity, resulting in a capitalization level of 9.27%, which is average.

Institution Statistics

Overall
FDIC Certificate #659
Year Established1881
Employees607
Primary RegulatorFED
Assets and Liabilities
Assets$2.92 billion
Loans$1.81 billion
Deposits$2.33 billion
Equity Capital$244.15 million
Loan Loss Allowance$26.74 million
Unbacked Noncurrent Loans$13.99 million
Real Estate Owned$333,000
Historic Data - December 2012
Assets$2.76 billion
Equity Capital$245.78 million
Loan Loss Allowance$24.71 million
Unbacked Noncurrent Loans$13.99 million
Real Estate Owned$184,000
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets0.95%
Return on Equity11.07%
Interest Income$99.48 million
Rates

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Locations

Five Star Bank has 52 locations. Click to view all Five Star Bank locations.