← Back to Institutions
Five Star Bank
Warsaw, NY·FDIC Cert #659·Charter: STATE·Est. 18811226.0·HC: FINANCIAL INSTITUTIONS INC
Total Assets
$6.2B
Q4 2025
Return on Assets
1.28%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.50%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.28%+0.02
ROE
12.58%+0.06
Efficiency
54.50%-0.18
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.22%+2.59
Charge-offs
0.24%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.2 | 0.6 | 0.7 | -0.5 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 2.4 | 7.9 | 8.9 | -5.9 | 12.1 | 12.1 | 12.5 | 12.6 |
| Efficiency | 104.4 | 81.9 | 75.1 | 73.3 | 54.7 | 55.3 | 54.7 | 54.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.9 | 0.9 | 0.9 | 0.7 | 0.7 | 0.8 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 81.2 | 85.8 | 81.9 | 86.0 | 83.1 | 86.4 | 84.6 | 87.2 |
Balance Sheet
Total Assets$6.2B
Total Deposits$5.3B
Total Loans$4.6B
Total Equity$662.3M
Profitability
ROA1.28%
ROE12.58%
Efficiency Ratio54.50%
Net Income$79.2M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.24%
Loan/Deposit87.22%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans