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Overview / Commentary
55 North Main Street
Warsaw, NY 14569

Five Star Bank is headquartered in Warsaw and is the 26th largest bank in the state of New York. It is also the 257th largest bank in the nation. It was established in 1881 and as of March of 2014, it had grown to 599 employees at 52 locations. Five Star Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Five Star Bank had $14.12 million in non-current loans and owned real-estate with $278.58 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank a Texas Ratio of 5.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Five Star Bank experienced no significant changes from 3.51% as of March 31, 2013 to 5.07% as of March 31, 2014, resulting in a negative change of 44.49%. This indicates that the balance sheet and financial strength for Five Star Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Five Star Bank has increased its total deposits by $134.17 million, resulting in 5.56% 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 excellent.



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 $3.01 billion in assets with $278.58 million in equity, resulting in a capitalization level of 9.24%, which is average.

Institution Statistics

FDIC Certificate #659
Year Established1881
Primary RegulatorFED
Assets and Liabilities
Assets$3.01 billion
Loans$1.82 billion
Deposits$2.55 billion
Equity Capital$251.43 million
Loan Loss Allowance$27.15 million
Unbacked Noncurrent Loans$13.70 million
Real Estate Owned$412,000
Historic Data - March 2013
Assets$2.82 billion
Equity Capital$247.09 million
Loan Loss Allowance$25.83 million
Unbacked Noncurrent Loans$13.70 million
Real Estate Owned$371,000
Profit Margin - Quarterly
Net Interest Margin3.44%
Return on Assets1.01%
Return on Equity12.13%
Interest Income$25.23 million

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