Five Star Bank: how it compares with its peers
Against 17 NY banks with half to twice its assets, Five Star Bank's strongest measure in Q2 2026 is return on assets (1.42% vs. a 1.11% peer median). Its weakest relative measure is assets per employee ($10.2M vs. $14.3M).
| Measure | Five Star Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.11% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 2.86% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.08% | 53.13% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $14.3M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.67% | 87.65% | Context |
What it means for lending operations
Its efficiency ratio of 52.08% is better than the 53.13% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- TrustCo Bank Glenville, NY · $6.52B
- The Canandaigua National Bank and Trust Company Canandaigua, NY · $5.41B
- Bank of India New York, NY · $7.42B
- Ridgewood Savings Bank Ridgewood, NY · $7.55B
Questions about Five Star Bank
How big is Five Star Bank?
Five Star Bank, established in 1881, is headquartered in Rochester, NY. It reported $6.29B in total assets in its Q2 2026 FDIC call report and operates 48 offices.
What is Five Star Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.11% median for 17 NY banks with half to twice its assets, ahead of 94% of them.
What is Five Star Bank's efficiency ratio?
52.08% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 53.13%, and lower is better.
Is Five Star Bank growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.