$4.63B
+1.6%y/y
Percentile by value72nd percentileby value
FDIC
LNLSGRFS
Five Star Bank
Rochester, New YorkFDIC Cert #659
STATEEstablished 188149 branches
Holding company: FINANCIAL INSTITUTIONS INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $323M |
| Investor CRE | $916M |
| Multifamily | $538M |
| Construction | $610M |
| 1–4 family | $758M |
| C&I | $605M |
| Agriculture | $13M |
| Other | $864M |
Loan book
Reported balances and balance-sheet intensity.
$4.58B
+1.8%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNET+1.76%
−26.4%y/y
Percentile by value24th percentileby value
FDIC
LNLSNET85.7%
+3.2%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNET + DEP73.3%
+2.5%y/y
Percentile by value48th percentileby value
FDIC
LNLSNET + ASSET69.71%
+2.7%y/y
Percentile by value30th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
289%
−2.6%y/y
Percentile by value74th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%
−14.5%y/y
Percentile by value91st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,192points
+3.2%y/y
Peer standing95th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.97%
+10.1%y/y
Percentile by value31st percentileby value
FDIC
LNRENROW + LNLSGR19.80%
+2.9%y/y
Percentile by value49th percentileby value
FDIC
LNRENROT + LNLSGR13.08%
+0.8%y/y
Percentile by value55th percentileby value
FDIC
LNCI + LNLSGR