Five Star Bank
Rochester, NY · Cert 659 · Peer group: banks $1B-$10B in assets (n=322-328) · Financial Institutions Inc.
State charter, Fed member · FED · 48 branches
Q2 2026
$6.3BAssets
$4.8BLoans
$5.3BDeposits
$680.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of banks $1B-$10B in assets (rank 89 of 328).
- Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets (rank 280 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.42%
Rank 101 of 328
Net Interest Margin
3.50%
Rank 155 of 328
Efficiency Ratio
52.08%
Rank 89 of 328
Equity / Assets
10.81%
Rank 136 of 328
Non-interest income vs. expense
Unfavorable gap of $99.4M · efficiency ratio beats 73% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.91% | 1.22% | 1.52% | Beats 69% | 101 / 328 | | |
| Return on Equity | 13.10% | 8.43% | 11.45% | 14.43% | Beats 65% | 116 / 328 | | |
| Net Interest Margin | 3.50% | 3.03% | 3.45% | 3.83% | Beats 53% | 155 / 328 | | |
| Efficiency Ratio | 52.08% | 51.61% | 59.56% | 67.53% | Beats 73% | 89 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.24% | 0.51% | 1.03% | Beats 34% | 213 / 322 | | |
| Net Charge-Offs / Loans | 0.23% | 0.01% | 0.03% | 0.10% | Beats 13% | 280 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.75% | 13.15% | 15.47% | Beats 44% | 184 / 328 | | |
| Total Risk-Based Capital Ratio | 13.69% | 12.63% | 14.15% | 16.46% | Beats 44% | 184 / 328 | | |
| Equity / Assets | 10.81% | 9.15% | 10.33% | 12.01% | Beats 59% | 136 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.56% | 76.63% | 87.92% | 95.36% | 53rd pctl | 151 / 323 | | |
| Loans / Assets | 75.54% | 65.18% | 74.15% | 79.98% | 57th pctl | 142 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |