Bank · FDIC insured
Five Star Bank
A $6.3B bank, the 237th largest of 4,207, headquartered in Rochester, NY, with 47 branches in New York. Best rates: CDs 3.75% and savings 2.75% APY.
Five Star Bank Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#14 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Five Star Bank
Founded in 1817, Five Star Bank was formed in 2005 by the merger of five community banks.
The bank operates a 48-branch network across Western and Central New York, with a commercial lending franchise reaching into the Mid-Atlantic region.
- Headquarters
- 100 Chestnut St, Rochester, NY 14604
- FDIC certificate
- 659 ↗
Branches
47 branches in New York
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New York
47 branches
Rochester area · 19
- Five Star BankMain office100 Chestnut St, Rochester, NY 14604Directions
- Albion Branch102 N Main St, Albion, NY 14411Directions
- Brockport Branch2 West Ave, Brockport, NY 14420Directions
- Caledonia Branch3110 Main St, Caledonia, NY 14423Directions
- Canandaigua Branch2425 Rochester Rd, Canandaigua, NY 14424Directions
- Dansville Branch152 Franklin St, Dansville, NY 14437Directions
- Geneseo Branch4431 Genesee Valley Plz, Geneseo, NY 14454Directions
- Geneva Plaza Branch387 Hamilton St, Geneva, NY 14456Directions
- Greece Branch2833 W Ridge Rd, Greece, NY 14626Directions
- Honeoye Falls Branch166 W Main St, Honeoye Falls, NY 14472Directions
- Lakeville Branch3261 Rochester Rd, Lakeville, NY 14480Directions
- Medina Branch327 N Main St, Medina, NY 14103Directions
- Mount Morris Branch45 E State St, Mount Morris, NY 14510Directions
- Naples Branch184 S Main St, Naples, NY 14512Directions
- Brighton Branch1940 Monroe Ave, Rochester, NY 14618Directions
- Chili Center Branch3177 Chili Ave, Rochester, NY 14624Directions
- City Gate Branch395 Westfall Rd, Rochester, NY 14620Directions
- Henrietta Branch765 Calkins Rd, Rochester, NY 14623Directions
- Victor Branch3 W Main St, Victor, NY 14564Directions
Buffalo area · 6
- Amherst Branch5491 Sheridan Dr, Amherst, NY 14221Directions
- Elmwood Crossing Branch451 Elmwood Ave, Buffalo, NY 14222Directions
- Fountain Plaza Branch40-50 Fountain Plaza, Suite 150, Buffalo, NY 14202Directions
- Seneca Street Branch2222 Seneca St, Buffalo, NY 14210Directions
- East Aurora Branch211 Main St, East Aurora, NY 14052Directions
- Orchard Park Branch3233 Southwestern Blvd, Orchard Park, NY 14127Directions
Corning area · 5
- West Bath Branch323 W Washington St, Bath, NY 14810Directions
- Hammondsport Branch22 Shethar St, Hammondsport, NY 14840Directions
- Hornell Branch7434 Seneca Rd N, Hornell, NY 14843Directions
- Painted Post Branch3131 Silverback Ln, Painted Post, NY 14870Directions
- Wayland Branch1 S Main St, Wayland, NY 14572Directions
Olean area · 4
- Allegany Branch60 W Main St, Allegany, NY 14706Directions
- Ellicottville Branch54 W Washington St, Ellicottville, NY 14731Directions
- Salamanca Branch107 Main St, Salamanca, NY 14779Directions
- Yorkshire Branch12209 Route 16, Yorkshire, NY 14173Directions
Batavia area · 2
- Batavia West Branch401 W Main St, Batavia, NY 14020Directions
- Leroy Branch124 W Main St, Le Roy, NY 14482Directions
Elmira area · 2
- Elmira Branch100 W Water St, Elmira, NY 14901Directions
- Horseheads Branch309 S Main St, Horseheads, NY 14845Directions
Seneca Falls area · 2
- Ovid Branch2168 Route 96a, Ovid, NY 14521Directions
- Seneca Falls Branch1940 Routes 5 & 20, Waterloo, NY 13165Directions
Attica area · 1
- Attica Branch26 Main St, Attica, NY 14011Directions
Auburn area · 1
- Auburn Branch345 W Genesee St, Auburn, NY 13021Directions
Cuba area · 1
- Cuba Branch27 Water St, Cuba, NY 14727Directions
Dundee area · 1
- Dundee Branch32 Main St, Dundee, NY 14837Directions
Penn Yan area · 1
- Penn Yan Branch129 Elm St, Penn Yan, NY 14527Directions
Strykersville area · 1
- Strykersville Branch3672 Route 78, Strykersville, NY 14145Directions
Warsaw area · 1
- North Warsaw Branch2330 N Main St, Warsaw, NY 14569Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.87% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.82% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.42% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio10.87%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.82%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Five Star Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.