Five Star Bank
Five Star Bank is an FDIC insured institution headquartered at
55 N Main St, Warsaw, NY 14569.
It was founded in
1881 and has approximately $6 billion in assets. Customers can open an account at one of its 53 branches.
Deposit Rates - September 17, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.04% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
5.00% | $500 | Compare |
|
8 Mo CD
|
5.00% | $500 | Compare |
|
9 Mo CD
|
0.20% | $500 | Compare |
|
12 Mo CD
|
0.30% | $500 | Compare |
|
13 Mo CD
|
5.00% | $500 | Compare |
|
18 Mo CD
|
0.35% | $500 | Compare |
|
24 Mo CD
|
0.40% | $500 | Compare |
|
30 Mo CD
|
0.40% | $500 | Compare |
|
36 Mo CD
|
0.45% | $500 | Compare |
|
48 Mo CD
|
0.50% | $500 | Compare |
|
60 Mo CD
|
0.50% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $10,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
0.05% | $0 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.07% | $25,000 |
Loan Rates - September 17, 2025
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.75% | Varies | ||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
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Compare with 7.75 RATE Line of Credit from Four Leaf Federal Credit Union
|
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Compare with RATE Line of Credit from PenFed Credit Union
|
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Compare with 8.7 RATE Line of Credit from Figure Home Equity
|
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Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 659 |
| Date Established | 1881 |
| Assets | $ 6.30 billion |
| Loans | $ 4.50 billion |
| Deposits | $ 5.42 billion |
| Capital | $ 616.35 million |
Summary Balance Sheet as of March 31, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 160.77 million |
| Interest-bearing balances | $ 93.34 million |
| Total securities | $ 1,040.10 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 4.50 billion |
| Loan loss allowance | $ 48.96 million |
| Trading account assets | $ 33.84 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.20 million |
| Goodwill and other intangibles | $ 50.09 million |
| All other assets | $ 294.23 million |
| Total Assets | $ 5.69 billion |
| LIABILITIES | |
| Total deposits | $ 5.42 billion |
| Interest-bearing deposits | $ 4.43 billion |
| Deposits held in domestic offices | $ 5.42 billion |
| % insured (estimated)" | 62.98% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 33.84 million |
| Other borrowed funds | $ 109.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 97.09 millionn |
| Total Liabilities | $ 5.69 billion |
| Shareholders’ Equity | $ 616.35 million |
Summary Income Statement as of March 31, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 81.39 million |
| Total Interest Expense | $ 33.13 million |
| Net interest income | $ 48.27 million |
| Provision for loan and lease losses | $ 2.94 million |
| Total non interest income | $ 7.41 million |
| Total non interest expense | $ 30.44 million |
| Pre-tax Net Operating Income | $ 39.97 million |
Customer Reviews for Five Star Bank
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