1.42%
+20.5%y/y
Peer standing61st percentile
FDIC
NETINC + ROAFS
Five Star Bank
Rochester, New YorkFDIC Cert #659
STATEEstablished 188149 branches
Holding company: FINANCIAL INSTITUTIONS INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
13.32%
+10.6%y/y
Peer standing60th percentile
FDIC
NETINC + ROE1.71%
+18.5%y/y
Peer standing56th percentile
FDIC
PTAXNETINC + ASSET3.79%
+9.4%y/y
Peer standing60th percentile
FDIC
NIM + NIMY5.76%
−1.5%y/y
Peer standing68th percentile
FDIC
INTINCY2.55%
−14.7%y/y
Peer standing56th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
52.82%
−3.4%y/y
Peer standing63rd percentile
FDIC
NONIX + NIM + NONII + EEFFR2.07%
+5.3%y/y
Peer standing68th percentile
FDIC
NONIX + ASSET11.87%
−10.7%y/y
Percentile by value30th percentileby value
FDIC
NONII + NIM−0.76%
−200.1%y/y
Percentile by value11th percentileby value
FDIC
ASSET−1.38%
−965.0%y/y
Percentile by value11th percentileby value
FDIC
DEP+1.76%
−26.4%y/y
Percentile by value24th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.42%61st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE13.32%60th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.79%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.82%63rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP−1.38%11th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+1.76%24th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.83%36th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ10.73%59th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%56th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC289%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.42%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 2.02%Observations 116
ROE
FDIC
NETINC + ROE13.32%82nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.07%Median 7.55%90th 15.10%Observations 116
NIM
FDIC
NIM + NIMY3.79%69th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.54%Median 3.39%90th 4.44%Observations 129
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.82%81st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.52%Median 69.06%90th 93.95%Observations 116
Deposits YoY
FDIC
DEP−1.38%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +2.83%90th +13.50%Observations 121
Loans YoY
FDIC
LNLSNET+1.76%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.50%Median +4.22%90th +22.03%Observations 118
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.83%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.70%90th 2.49%Observations 118
Leverage
FDIC
RBC1AAJ10.73%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 4.90%Median 10.71%90th 25.91%Observations 129
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.43%90th 3.81%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC289%76th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 168%90th 371%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.42%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.53%Median 1.27%90th 1.62%Observations 16
ROE
FDIC
NETINC + ROE13.32%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.62%Median 12.46%90th 15.61%Observations 16
NIM
FDIC
NIM + NIMY3.79%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.00%Median 2.85%90th 3.72%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.82%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.21%Median 56.41%90th 78.71%Observations 16
Deposits YoY
FDIC
DEP−1.38%18th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.94%Median +3.51%90th +12.92%Observations 18
Loans YoY
FDIC
LNLSNET+1.76%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.71%Median +4.10%90th +16.08%Observations 18
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.83%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.77%90th 1.74%Observations 18
Leverage
FDIC
RBC1AAJ10.73%61st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 0.00%Median 9.83%90th 16.51%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.94%Median 2.84%90th 3.98%Observations 15
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC289%62nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 238%90th 369%Observations 14
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.