Where is Five Star Bank located?

Five Star Bank is located at 55 N Main St, WARSAW, NY 14569.

How can I contact Five Star Bank?

You can contact Five Star Bank by phone at +1 (877) 226-5578 or email at customerservice@five-starbank.com.

Five Star Bank

About

Five Star Bank is a community bank headquartered in Warsaw, New York, providing comprehensive consumer and commercial banking services across Western and Central New York with over 45 branch locations. The bank offers deposits, loans, mortgages, credit cards, investment management, and insurance services to individuals, municipalities, and businesses throughout the region.

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

2

Last 3 Years

6

YoY Growth

+0.0%

low activity

Loan Size Distribution

As Of June 30, 2025

Median

$125K

Average

$706K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 0.69%

Typical Range:Prime + 1.75% - 1.75%

Min / Max:Prime + -0.37% / 1.75%

Market Comparison

This Lender

Prime + 0.69%

Market Average

Prime + 1.25%

56 bps better market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High