BlastPoint's Banking Scorecard
Five Star Bank
Designations: ✓ Community bank
Rochester, NY
48 branches across NY
Five Star Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 8.24% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 48.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.3B
-0.8% YoY
+0.3% QoQ
|
+$3.4B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 9.6% in tier |
| Total Loans ? |
$4.6B
+1.8% YoY
-0.6% QoQ
|
+$2.6B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 8.6% in tier |
| Total Deposits ? |
$5.3B
-1.4% YoY
+1.1% QoQ
|
+$3.0B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 9.2% in tier |
| Return on Assets ? |
1.42%
+20.5% YoY
+11.2% QoQ
|
+0.06% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.79%
+9.4% YoY
+3.0% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
52.82%
-3.4% YoY
-3.1% QoQ
|
-8.24% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.84%
-5.5% YoY
+8.3% QoQ
|
-0.05% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
85.70%
+3.2% YoY
-1.7% QoQ
|
+1.49% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.03%
-1.8% YoY
-8.8% QoQ
|
-3.26% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.62%
-2.2% YoY
+8.5% QoQ
|
-0.05% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
12.71%
+10.9% YoY
+3.1% QoQ
|
-2.45% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.12%
-1.1% YoY
-76.8% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
39% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.