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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Five Star Bank

Rochester, New York · $6.29B in assets · beside the 11 other New York banks between $3B and $10B

The filing

52.1%
Efficiency
1st of 10
1.42%
ROA
2nd of 10
45.1%
CRE / loans
10th of 12

Five Star Bank is the seventh largest of the 12 New York banks nearest its size between $3B and $10B, with $6.29B in assets at 30 June 2026. Loans are 89.6% of deposits, 6th of 12 against a median of 89.6%, and equity is 10.8% of assets, 5th of 10. Loans grew +4.8% in the year, 5th of 12, and deposits grew 2.2%; the cohort's median loan growth is +3.2%.

Noncurrent loans are 0.82% of the book, 8th of 12 against a median of 0.71%; 0.61% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.27% of loans, 8th of 10. Commercial real estate is 45.1% of loans, 10th of 12 against a median of 36.1%, and 294% of capital, below the 300% screen, with construction at 90% against the 100% screen.

Return on assets is 1.42%, 2nd of 10 against a median of 1.15%, on an efficiency ratio of 52.1%, the lowest in the cohort. Five years ago it was 1.60%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 54.3% FS Five Star Bank 52.1% MC Metropolitan Commercial Bank 52.2% NB Northfield Bank 52.3% TC Tompkins Community Bank 53.1% WA Woori America Bank 53.9% TB Trustco Bank 54.8% CN Canandaigua National Bank & Trust Co. 59.2% AB Arrow Bank National Association 60.7% RS Ridgewood Savings Bank 67.3% BT Bessemer Trust Co. N.A. 79.4%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.2% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% WA Woori America Bank +1.0% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

SBA 7(a), FY2008 to FY2026

Five Star Bank is the 25th largest 7(a) lender into New York of 402, with $198M across 2,166 loans, 1.0% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 5 of its 26 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Monroe, NY$52M5th of 896.4%+1.4 pts
Erie, NY$41M4th of 944.7%+1.0 pts
Steuben, NY$16M1st of 3716.2%-5.7 pts
Chautauqua, NY$16M2nd of 4118.1%+6.2 pts
Livingston, NY$11M1st of 2524.4%+4.3 pts
Ontario, NY$10M4th of 458.1%+3.0 pts
Chemung, NY$10M1st of 3117.2%+4.5 pts
Genesee, NY$10M1st of 2817.9%+5.5 pts
Wyoming, NY$6M2nd of 1321.3%+7.0 pts
Cattaraugus, NY$5M4th of 2213.0%+4.6 pts
Yates, NY$5M2nd of 1924.3%-16.1 pts
Orleans, NY$3M5th of 2010.0%+3.1 pts
Cayuga, NY$3M4th of 375.9%thin
13 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing223$37M18.5%0.09%192nd of 2,246
Retail trade289$30M14.9%0.05%255th of 2,589
Construction402$26M13.0%0.08%193rd of 2,063
Accommodation & food services268$19M9.4%0.02%395th of 2,596
Wholesale trade116$15M7.7%0.06%222nd of 1,651
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Five Star Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans FS Five Star Bank 1.0% $198M · 2,166 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Five Star BankRankCohort median
Total CRE against capital, the 300% screen294%7th of 10243%
Construction against capital, the 100% screen90%10th of 1012%
Construction and land development, share of loans13.8%12th of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loans20.3%7th of 1015.3%
Total CRE, the guidance definition, share of loans45.1%10th of 1236.1%
CRE growth over 36 months, the third prong+25.8%7th of 10+23.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Woori America Bank$4.12B0.7%53.9%1.92%0.02%1.6%87.6%13.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Five Star BankCohort median
20212026Change20212026Change
Loans$3.64B$4.76B+31%$2.60B$3.99B+54%
Deposits$4.69B$5.31B+13%$3.00B$4.93B+65%
NPA / loans0.18%0.82%+0.64 pts0.26%0.71%+0.45 pts
Efficiency48.9%52.1%+3.2 pts57.2%54.3%-2.9 pts
ROA1.60%1.42%-0.18 pts1.37%1.15%-0.22 pts

This read was prepared for Five Star Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Five Star Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B
Institution www.five-starbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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