Five Star Bank (FDIC #659): Bank Stress & Real-Estate Credit Exposure
Five Star Bank (FDIC Cert #659): bank stress 59/100, moderate, STABLE over 7 days; parent FINANCIAL INSTITUTIONS INC (FISI).
Five Star Bank (#659) lends in 14 counties across 1 state; Five Star Bank (#659) reaches 356 ZIP codes: New York 14 counties, 356 ZIPs.
Five Star Bank (#659) largest markets: Erie County, NY (432 branches, 72 ZIPs) (#659), Monroe County, NY (416 branches, 52 ZIPs) (#659), Steuben County, NY (200 branches, 40 ZIPs) (#659), Allegany County, NY (38 branches, 38 ZIPs) (#659), Cattaraugus County, NY (148 branches, 37 ZIPs) (#659), Livingston County, NY (155 branches, 31 ZIPs) (#659).
Five Star Bank (#659) reports $6.29 billion in total assets; Five Star Bank (#659) equity $680.5 million (10.8% of Five Star Bank (#659) assets); Five Star Bank (#659) domestic deposits $5.31 billion; Five Star Bank (#659) net income $44.6 million; Five Star Bank (#659) return on assets 1.42%; Five Star Bank (#659) return on equity 13.29%; Five Star Bank (#659) net interest income $109.0 million; Five Star Bank (#659) call report June 30, 2026.
Five Star Bank (#659) noncurrent real-estate loans 0.19% of its book; Five Star Bank (#659) net charge-offs on real estate 0.90%; Five Star Bank (#659) residential charge-offs 0.07%.
Five Star Bank (#659) net interest margin 3.82% against an eight-quarter Five Star Bank (#659) average of 3.51% (Five Star Bank (#659) compression -0.32 points); Five Star Bank (#659) real-estate loans 18.6% of equity; Five Star Bank (#659) non-residential real estate 7.4% of equity; Five Star Bank (#659) rate-exposure score 40/100, Five Star Bank (#659) fixed-rate trap 40/100; Five Star Bank (#659) risk type credit driven; Five Star Bank (#659) rate regime rates elevated; Five Star Bank (#659) shares 7.2% below the 52-week high, Five Star Bank (#659) equity trend stable, Five Star Bank (#659) snapshot October 19, 2026.
Five Star Bank (#659) stress score moved from 58.2 on June 22, 2026 to 59.2 on October 19, 2026; Five Star Bank (#659) ranged 58.2 to 59.2 over 116 snapshots.
Five Star Bank (#659) alerts: 14 counties; top Five Star Bank (#659) alert scores: Auburn County, NY 22 (low); Cuba County, NY 22 (low); Horseheads County, NY 22 (low); Le Roy County, NY 22 (low); Medina County, NY 22 (low).