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BDI
FS

Five Star Bank

Rochester, New YorkFDIC Cert #659

STATEEstablished 188149 branches

Holding company: FINANCIAL INSTITUTIONS INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.34%
+23.8%y/y
Peer standing45th percentile
Peer standing in asset:3b_10b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−61.8%y/y
Peer standing58th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.83%
−5.4%y/y
Peer standing31st percentile
Peer standing in asset:3b_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.83%
−5.4%y/y
Peer standing36th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.62%
−2.2%y/y
Peer standing35th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$39M
−3.0%y/y
Peer standing30th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.44%
+108.6%y/y
Peer standing13th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + LNLSGR
NCO
$5.08M
+114.4%y/y
Peer standing12th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.96%
−10.3%y/y
Percentile by value27th percentileby value
Peer standing in asset:3b_10b
FDICLNATRES + LNLSGR
30–89
$16M
+25.8%y/y
Peer standing35th percentile
Peer standing in asset:3b_10b
FDICP3ASSET
90+
$14K
−61.1%y/y
Peer standing57th percentile
Peer standing in asset:3b_10b
FDICP9ASSET
Nonaccrual
$38.5M
−3.8%y/y
Peer standing23rd percentile
Peer standing in asset:3b_10b
FDICNAASSET