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Five Star Bank


Overview / Commentary
www.five-starbank.com
877-226-5578
55 North Main Street
Warsaw, NY 14569

Five Star Bank is headquartered in WARSAW and is the 20th largest bank in the state of New York. It is also the 241st largest bank in the nation. It was established in 1881 and as of June of 2024, it had grown to 569 employees at 49 locations. Five Star Bank's money market rates are 11X the national average, and it has an A health rating.

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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #659
Year Established1881
Employees569
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.92%
Annual Interest Income$157.9MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$6.1B$6.1B
LoansQ2 2024vs Q2 2023$4.42B$4.35B
DepositsQ2 2024vs Q2 2023$5.15B$5.07B
Equity CapitalQ2 2024vs Q2 2023$511.6MM$445.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$43.9MM$49.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$24.5MM$9.3MM
Real Estate OwnedQ2 2024vs Q2 2023$63K$163K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Five Star Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Health Savings Account
0.05%$0-Club Account
0.04%$0-Statement Savings
0.04%$0-Business Savings

Five Star Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$100k*-High Yield Money Market - New Money
OTHER TIERS: 4.75% → $10k - $100k
0.20%*$2.5k*-Business Money Market
OTHER TIERS: 0.15% → $0 - $2.5k
0.10%$0-Money Market

Five Star Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-NOW Business Checking
0.07%*$25k*-Premier Checking
OTHER TIERS: 0.05% → $0 - $25k

Five Star Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500$250k7 Month CD Special
4.50%$500$250kBusiness 7 Month CD Special
4.00%$500$250k11 Month CD Special
4.00%$500$250kBusiness 11 Month CD Special
0.50%$500$250k48 Month Premier CD
0.50%$500$250k60 Month Premier CD
0.50%$500$250kBusiness 48 Month Premier CD
0.50%$500$250kBusiness 60 Month Premier CD
0.45%$500$250k36 Month Premier CD
0.45%$500$250kBusiness 36 Month Premier CD
0.45%$500$250k32 Month Premier CD
0.45%$500$250kBusiness 32 Month Premier CD
0.40%$500$250k48 Month CD
0.40%$500$250k60 Month CD
0.40%$500$250k24 Month Premier CD
0.40%$500$250k30 Month Premier CD
0.40%$500$250kBusiness 24 Month Premier CD
0.40%$500$250kBusiness 30 Month Premier CD
0.40%$500$250kBusiness 48 Month CD
0.40%$500$250kBusiness 60 Month CD
0.35%$500$250k36 Month CD
0.35%$500$250k18 Month Premier CD
0.35%$500$250kBusiness 18 Month Premier CD
0.35%$500$250kBusiness 36 Month CD
0.35%$500$250k32 Month CD
0.35%$500$250kBusiness 32 Month CD
0.30%$500$250k24 Month CD
0.30%$500$250k30 Month CD
0.30%$500$250k12 Month Premier CD
0.30%$500$250k15 Month Premier CD
0.30%$500$250kBusiness 12 Month Premier CD
0.30%$500$250kBusiness 15 Month Premier CD
0.30%$500$250kBusiness 24 Month CD
0.30%$500$250kBusiness 30 Month CD
0.25%$500$250k18 Month CD
0.25%$500$250kBusiness 18 Month CD
0.20%$500$250k12 Month CD
0.20%$500$250k15 Month CD
0.20%$500$250k3 Month Premier CD
0.20%$500$250k6 Month Premier CD
0.20%$500$250k9 Month Premier CD
0.20%$500$250kBusiness 3 Month Premier CD
0.20%$500$250kBusiness 6 Month Premier CD
0.20%$500$250kBusiness 9 Month Premier CD
0.20%$500$250kBusiness 12 Month CD
0.20%$500$250kBusiness 15 Month CD
0.10%$500$250k3 Month CD
0.10%$500$250k6 Month CD
0.10%$500$250k9 Month CD
0.10%$500$250kBusiness 3 Month CD
0.10%$500$250kBusiness 6 Month CD
0.10%$500$250kBusiness 9 Month CD

Five Star Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500$250k7 Month IRA Special
4.50%$500$250kBusiness 7 Month IRA Special
4.00%$500$250k11 Month IRA Special
4.00%$500$250kBusiness 11 Month IRA Special
0.50%$500$250k48 Month Premier IRA
0.50%$500$250k60 Month Premier IRA
0.45%$500$250k36 Month Premier IRA
0.45%$500$250k32 Month Premier IRA
0.40%$500$250k24 Month Premier IRA
0.40%$500$250k30 Month Premier IRA
0.40%$500$250k48 Month IRA
0.40%$500$250k60 Month IRA
0.35%$500$250k18 Month Premier IRA
0.35%$500$250k36 Month IRA
0.35%$500$250k32 Month IRA
0.30%$500$250k12 Month Premier IRA
0.30%$500$250k15 Month Premier IRA
0.30%$500$250k24 Month IRA
0.30%$500$250k30 Month IRA
0.25%$500$250k18 Month IRA
0.25%*$25k*$250k18 Month Variable Premier IRA
OTHER TIERS: 0.10% → $500 - $2.5k | 0.15% → $2.5k - $10k | 0.20% → $10k - $25k
0.20%$500$250k3 Month Premier IRA
0.20%$500$250k6 Month Premier IRA
0.20%$500$250k9 Month Premier IRA
0.20%$500$250k12 Month IRA
0.20%$500$250k15 Month IRA
0.20%*$25k*$250k18 Month Variable IRA
OTHER TIERS: 0.05% → $500 - $2.5k | 0.10% → $2.5k - $10k | 0.15% → $10k - $25k
0.10%$500$250k3 Month IRA
0.10%$500$250k6 Month IRA
0.10%$500$250k9 Month IRA
Locations

Availability

Rochester Area

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