Five Star Bank Mortgage Rates, Fees & Info

Warsaw, NY

LEI: 5493006LH4LKHY2EIN26

Tax ID: 16-0621150

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Five Star Bank is a smaller bank specializing in Home Purchase and Refi loans. Five Star Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Buffalo, Rochester, Corning, Batavia, and Olean among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Five Star Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Five Star Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.81% 4/21/24
    30 Year Conventional Purchase 6.38% 4/21/24
    30 Year Conventional Refi 6.57% 4/21/24
    30 Year Cash-out Refi 6.42% 4/21/24
    30 Year FHA Purchase 6.82% 4/21/24
    30 Year VA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 6.58% 4/21/24
    15 Year Conventional Refi 6.09% 4/21/24
    15 Year Cash-out Refi 6.09% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Five Star Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Five Star Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,207

    Origination Dollar Volume (All Markets)

    $184,535,000

    Employee count

    643 Show all (14) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 514 $101,670,000 $197,802 $2,779 4.59%
    ROCHESTER, NY (FHA|USDA|VA) 354 $45,190,000 $127,655 $1,718 4.58%
    Outside of Metro Areas 114 $11,620,000 $101,930 $1,258 4.61%
    Corning, NY (FHA|USDA|VA) 52 $9,080,000 $174,615 $1,129 4.64%
    Batavia, NY (FHA|USDA|VA) 61 $6,285,000 $103,033 $1,852 4.64%
    Olean, NY (FHA|USDA|VA) 51 $4,445,000 $87,157 $1,289 4.55%
    ELMIRA, NY (FHA|USDA|VA) 19 $1,995,000 $105,000 $1,217 4.66%
    Seneca Falls, NY (FHA|USDA|VA) 21 $1,705,000 $81,190 $952 4.76%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 11 $1,215,000 $110,455 $1,203 4.98%
    Auburn, NY (FHA|USDA|VA) 4 $430,000 $107,500 $2,940 4.31%
    SYRACUSE, NY (FHA|USDA|VA) 4 $400,000 $100,000 $2,563 4.58%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,659 4.25%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.25%
    Five Star Bank's top markets include Buffalo, Rochester, Corning, Batavia, and Olean among others.

    Their top states include:
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Five Star Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    GREATER WOODLAWN FEDERAL CREDIT UNION
    Similarity Rank: 33
    Pittsford Federal Credit Union
    Similarity Rank: 44
    ONTARIO SHORES
    Similarity Rank: 52
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 96
    Chemung Canal Trust Company
    Similarity Rank: 119
    VISIONS
    Similarity Rank: 125
    Moog Employees Federal Credit Union
    Similarity Rank: 130
    USNY Bank
    Similarity Rank: 252
    FAMILY FIRST OF NY
    Similarity Rank: 306
    SEFCU SERVICES, LLC
    Similarity Rank: 312

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,159 $177,375,000 $153,041 $1,897 4.60%
    FHA 44 $6,690,000 $152,045 $5,463 4.40%
    VA 2 $200,000 $100,000 $3,742 4.50%
    USDA 2 $270,000 $135,000 $4,312 4.88%

    For 2018, Five Star Bank's most frequently originated type of loan was Conventional, with 1,159 originations. Their 2nd most popular type was FHA, with 44 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 849 $129,585,000 $152,633 $2,649 4.50%
    Refi 216 $37,820,000 $175,093 $467 4.67%
    Home Improvement 49 $7,235,000 $147,653 $192 5.32%
    Other 47 $4,315,000 $91,809 $1,035 4.89%
    Cash Out Refi 46 $5,580,000 $121,304 $1,340 4.99%

    For 2018, Five Star Bank's most frequently cited loan purpose was Home Purchase, with 849 originations. The 2nd most popular reason was Refi, with 216 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 753 $102,935,000 $136,700 $2,788 4.44%
    20 Year 207 $26,565,000 $128,333 $579 4.91%
    15 Year 151 $17,415,000 $115,331 $434 4.64%
    10 Year 44 $9,800,000 $222,727 $199 5.20%
    5 Year 25 $3,845,000 $153,800 $0 5.27%
    30+ year 16 $13,290,000 $830,625 $7,033 4.68%
    Other 11 $10,685,000 $971,364 $459 4.89%

    For 2018, Five Star Bank's most frequently cited loan duration was 30 Year, with 753 originations. The 2nd most popular length was 20 Year, with 207 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 939 $106,205,000 $113,104
    $1k-2k 107 $21,815,000 $203,879
    $2k-3k 41 $9,305,000 $226,951
    $3k-4k 17 $3,235,000 $190,294
    $4k-5k 7 $2,115,000 $302,143
    $5k+ 2 $570,000 $285,000

    Five Star Bank's average total fees were $2,788, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 939 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 913 $125,125,000 $137,048
    3-4% 152 $21,080,000 $138,684
    5-6% 107 $23,685,000 $221,355
    6-7% 18 $1,990,000 $110,556
    7-8% 9 $1,265,000 $140,556
    % 2 $8,110,000 $4,055,000
    Over 8% 1 $3,195,000 $3,195,000
    2.5-3% 1 $65,000 $65,000

    During 2018, Five Star Bank's average interest rate for loans was 4.44%, while their most frequently originated rate bucket for loans was 4-5%, with 913 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 532 $34,720,000 $65,263 $1,289 4.58%
    $100k-200k 481 $65,655,000 $136,497 $2,144 4.58%
    $200k-400k 158 $42,960,000 $271,899 $3,846 4.61%
    $400k-600k 22 $10,100,000 $459,091 $5,401 4.67%
    $1MM+ 8 $26,370,000 $3,296,250 $0 5.79%
    $600k-1MM 6 $4,730,000 $788,333 $5,287 4.83%

    2018 saw Five Star Bank place emphasis on $100,000 or less loans with 532 originations, totaling $34,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 499 $44,615,000 $89,409 $1,680 4.42%
    $50k-75k 260 $29,420,000 $113,154 $2,011 4.64%
    $100k-150k 145 $27,295,000 $188,241 $2,650 4.71%
    $75k-100k 140 $19,660,000 $140,429 $2,257 4.68%
    $150k-250k 81 $18,695,000 $230,802 $3,004 4.65%
    $250k+ 26 $7,750,000 $298,077 $3,399 4.48%

    Five Star Bank lent most frequently to those with incomes in the $50k or less range, with 499 originations. The second most popular income band? $50k-75k, with 260 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 263 $30,235,000 $114,962 $1,890 4.57%
    30-36% 239 $30,445,000 $127,385 $1,921 4.55%
    42% 89 $12,395,000 $139,270 $1,907 4.58%
    41% 85 $9,505,000 $111,824 $1,678 4.59%
    40% 80 $10,430,000 $130,375 $1,961 4.48%
    <20% 67 $9,535,000 $142,313 $1,505 4.60%
    39% 60 $7,930,000 $132,167 $2,031 4.53%
    36% 57 $6,685,000 $117,281 $2,119 4.60%
    38% 53 $6,295,000 $118,774 $1,870 4.50%
    37% 53 $7,405,000 $139,717 $2,255 4.59%
    43% 38 $5,040,000 $132,632 $2,411 4.53%
    44% 27 $3,535,000 $130,926 $2,453 4.46%
    45% 25 $4,485,000 $179,400 $3,948 4.51%
    48% 11 $2,035,000 $185,000 $4,082 4.40%
    46% 7 $945,000 $135,000 $2,893 4.30%
    47% 7 $1,615,000 $230,714 $4,006 4.59%
    49% 7 $1,105,000 $157,857 $4,739 4.38%
    50-60% 6 $630,000 $105,000 $5,214 4.28%
    >60% 1 $415,000 $415,000 $0 3.88%

    Five Star Bank lent most frequently to those with DTI ratios of 20-30%, with 263 originations. The next most common DTI ratio? 30-36%, with 239 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,022 $133,050,000 $130,186 $2,030 4.58%
    Not applicable 27 $32,955,000 $1,220,556 $0 6.20%
    Black 70 $7,250,000 $103,571 $2,172 4.40%
    Asian 58 $7,050,000 $121,552 $1,974 4.41%
    Not provided 27 $3,935,000 $145,741 $2,588 4.64%
    American Indian 2 $160,000 $80,000 $2,159 4.13%
    Asian Indian 1 $135,000 $135,000 $1,999 4.25%

    Approval Rates

    Total approvals of all applications
    88.57%

    Five Star Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.06%

    Five Star Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,207 $184,535,000 $152,887

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 21 $31,695,000 $1,509,286
    Single Family (1-4 Units):Manufactured 11 $775,000 $70,455
    Single Family (1-4 Units):Site-Built 1,175 $152,065,000 $129,417

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 66 $5,610,000 $85,000 $475 4.95%
    40-60% 94 $12,030,000 $127,979 $1,083 4.60%
    60-80% 229 $44,435,000 $194,039 $2,240 4.71%
    80-100% 781 $114,375,000 $146,447 $2,334 4.49%
    Over 100% 2 $7,350,000 $3,675,000 $0 6.21%
    Under 20% 35 $735,000 $21,000 $0 5.45%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Five Star Bank 124 West Main Street Le Roy, NY 14482 Full Service B&M $66,846
    Five Star Bank 129 Elm Street Penn Yan, NY 14527 Full Service B&M $109,726
    Five Star Bank 129 North Union Street Olean, NY 14760 Full Service B&M $64,549
    Five Star Bank 150 Lake Street Elmira, NY 14901 Full Service B&M $74,713
    Five Star Bank 2330 North Main Street Warsaw, NY 14569 Full Service B&M $46,601
    Five Star Bank 100 Chestnut Street Rochester, NY 14604 Full Service B&M $15,220
    Five Star Bank 102 North Main Street Albion, NY 14411 Full Service B&M $89,539
    Five Star Bank 107 Main Street Salamanca, NY 14779 Full Service B&M $80,943
    Five Star Bank 12209 Route 16 Yorkshire, NY 14173 Full Service B&M $43,985
    Five Star Bank 1 South Main Street Wayland, NY 14572 Full Service B&M $51,834
    Five Star Bank 152 Franklin Street Dansville, NY 14437 Full Service B&M $59,380
    Five Star Bank 166 West Main Street Honeoye Falls, NY 14472 Full Service B&M $39,046
    Five Star Bank 184 South Main Street Naples, NY 14512 Full Service B&M $38,514
    Five Star Bank 19 South Main Street Avoca, NY 14809 Full Service B&M $22,792
    Five Star Bank 1940 Monroe Ave Rochester, NY 14618 Full Service B&M $25,580
    Five Star Bank 1940 Routes 5 & 20 Waterloo, NY 13165 Full Service B&M $111,561
    Five Star Bank 2 Seneca Street Geneva, NY 14456 Full Service B&M $73,098
    Five Star Bank 2 West Avenue Brockport, NY 14420 Full Service B&M $42,883
    Five Star Bank 211 Main Street East Aurora, NY 14052 Full Service B&M $47,627
    Five Star Bank 2168 Route 96 A Ovid, NY 14521 Full Service B&M $34,967
    Five Star Bank 217 Prescott Avenue Elmira Heights, NY 14903 Full Service B&M $23,991
    Five Star Bank 22 Shether Street Hammondsport, NY 14840 Full Service B&M $39,351
    Five Star Bank 23 State Street Mount Morris, NY 14510 Full Service B&M $79,981
    Five Star Bank 2425 Rochester Road Canandaigua, NY 14424 Full Service B&M $80,096
    Five Star Bank 26 Main Street Attica, NY 14011 Full Service B&M $88,367
    Five Star Bank 27 Water Street Cuba, NY 14727 Full Service B&M $49,831
    Five Star Bank 2833 Ridge Road W. Ste 29 Greece, NY 14626 Full Service B&M $28,072
    Five Star Bank 284 East Fairmount Ave Lakewood, NY 14750 Full Service B&M $30,612
    Five Star Bank 3 West Main Street Victor, NY 14564 Full Service B&M $58,747
    Five Star Bank 309 South Main Street Horseheads, NY 14845 Full Service B&M $68,052
    Five Star Bank 3110 Main Street Caledonia, NY 14423 Full Service B&M $30,622
    Five Star Bank 3131 Silverback Lane Painted Post, NY 14870 Full Service B&M $54,433
    Five Star Bank 3177 Chili Avenue Rochester, NY 14624 Full Service B&M $29,091
    Five Star Bank 32 Main Street Dundee, NY 14837 Full Service B&M $54,037
    Five Star Bank 323 Washington Street Bath, NY 14810 Full Service B&M $30,788
    Five Star Bank 3233 Southwestern Boulevard Orchard Park, NY 14127 Full Service B&M $46,253
    Five Star Bank 3261 Rochester Road Lakeville, NY 14480 Full Service B&M $64,985
    Five Star Bank 327 Main Street Medina, NY 14103 Full Service B&M $28,637
    Five Star Bank 345 West Genesee Street Auburn, NY 13021 Full Service B&M $45,433
    Five Star Bank 3672 Route 78 Strykersville, NY 14145 Full Service B&M $59,853
    Five Star Bank 387 Hamilton Street Geneva, NY 14456 Full Service B&M $51,426
    Five Star Bank 395 Westfall Road Rochester, NY 14620 Full Service B&M $28,695
    Five Star Bank 40-50 Fountain Plaza, Suite 150 Buffalo, NY 14202 Full Service B&M $8,245
    Five Star Bank 401 West Main Street Batavia, NY 14020 Full Service B&M $55,213
    Five Star Bank 44 Liberty Street Bath, NY 14810 Full Service B&M $97,486
    Five Star Bank 4431 Genesee Valley Plaza Geneseo, NY 14454 Full Service B&M $87,114
    Five Star Bank 54 Washington Street Ellicottville, NY 14731 Full Service B&M $36,500
    Five Star Bank 5491 Sheridan Drive Amherst, NY 14221 Full Service B&M $71,845
    Five Star Bank 55 North Main Street Warsaw, NY 14569 Full Service B&M $468,482
    Five Star Bank 567 East Main Street, Store #1 Eastown Plaza Batavia, NY 14020 Full Service B&M $66,922
    Five Star Bank 60 West Main Street Allegany, NY 14706 Full Service B&M $49,254
    Five Star Bank 7434 Seneca Road North Hornell, NY 14843 Full Service B&M $55,647
    Five Star Bank 765 Calkins Road Rochester, NY 14623 Full Service B&M $61,586

    For 2018, Five Star Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $154,358
    Net interest income $126,961
    Total noninterest income $24,415
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,523
    Trading account gains and fees $760
    Additional Noninterest Income $17,132
    Pre-tax net operating income $57,895
    Securities gains (or losses, -) $-127
    Income before extraordinary items $46,146
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $46,146
    Minority interest net income $0
    Net income $46,146
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $46,247

    Five Star Bank's gross interest income from loans was $154,358,000.
    Five Star Bank's net interest income from loans was $126,961,000.
    Five Star Bank's fee based income from loans was $6,523,000.
    Five Star Bank's net income from loans was $46,146,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,397
    Provision for credit losses $8,934
    Total noninterest expense $84,547
    Salaries and employee benefits $46,173
    Premises and equipment expense $15,775
    Additional noninterest expense $22,599
    Applicable income taxes $11,622
    Net charge-offs $9,692
    Cash dividends $20,000

    Five Star Bank's interest expense for loans was $27,397,000.
    Five Star Bank's payroll and benefits expense were $46,173,000.
    Five Star Bank's property, plant and equipment expenses $15,775,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,375,390
    Deposits held in domestic offices $3,375,390
    Deposits by Individuals, partnerships, and corporations $2,475,917
    Deposits by U.S. Government $17
    Deposits by States and political subdivisions in the U.S. $890,090
    Deposits by Commercial banks and other depository institutions in U.S. $9,367
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $394,311
    Demand deposits $246,634
    Nontransaction accounts $2,981,080
    Money market deposit accounts (MMDAs) $1,597,713
    Other savings deposits (excluding MMDAs) $373,655
    Total time deposits $1,009,713
    Total time and savings deposits $3,128,757
    Noninterest-bearing deposits $763,943
    Interest-bearing deposits $2,611,447
    Retail deposits $2,837,116
    IRAs and Keogh plan accounts $70,389
    Brokered deposits $374,503
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,272,439
    Cash & Balances due from depository institutions $98,542
    Interest-bearing balances $39,522
    Total securities $892,258
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,055,552
    Loan and leases loss allowance $33,914
    Trading account assets $3,113
    Bank premises and fixed assets $39,268
    Other real estate owned $229
    Goodwill and other intangibles $49,771
    All other assets $133,706

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,272,439
    Total Liabilities $3,873,186
    Total deposits $3,375,390
    Interest-bearing deposits $2,611,447
    Deposits held in domestic offices $3,375,390
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $64,000
    Trading liabilities $2,006
    Other borrowed funds $405,500
    Subordinated debt $0
    All other liabilities $26,290

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,055,552
    Loan and leases loss allowance $33,914
    Total loans and leases (domestic) $3,089,466
    All real estate loans $1,619,227
    Real estate loans in domestic offices $1,619,227
    Construction and development loans $173,827
    Residential 1-4 family construction $17,199
    Other construction, all land development and other land $156,628
    Loans secured by nonfarm nonresidential properties $669,653
    Nonfarm nonresidential secured by owner-occupied properties $199,115
    Commercial real estate & other non-farm, non-residential $470,538
    Multifamily residential real estate $102,306
    1-4 family residential loans $659,413
    Farmland loans $14,028
    Loans held in foreign offices $0
    Farm loans $20,743
    Commercial and industrial loans $457,245
    To non-U.S. addressees $0
    Loans to individuals $936,312
    Credit card loans $0
    Related Plans $3,346
    Consumer Auto Loans $920,142
    Other loans to individuals $12,824
    All other loans & leases $55,939
    Loans to foreign governments and official institutions $0
    Other loans $21,943
    Loans to depository institutions and acceptances of other banks $30
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Five Star Bank had $3,055,552,000 of loans outstanding in 2018. $1,619,227,000 of loans were in real estate loans. $173,827,000 of loans were in development loans. $102,306,000 of loans were in multifamily mortgage loans. $659,413,000 of loans were in 1-4 family mortgage loans. $20,743,000 of loans were in farm loans. $0 of loans were in credit card loans. $920,142,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 443 $96,608 $218,077
    Nonfarm, nonresidential loans - <$100k 83 $2,774 $33,422
    Nonfarm, nonresidential loans - $100-250k 144 $14,054 $97,597
    Nonfarm, nonresidential loans - $250k-1MM 216 $79,780 $369,352
    Commercial & Industrial, US addressed loans - <$1MM 1,891 $99,932 $52,846
    Commercial & Industrial, US addressed loans - <$100k 1,425 $20,162 $14,149
    Commercial & Industrial, US addressed loans - $100-250k 246 $21,617 $87,874
    Commercial & Industrial, US addressed loans - $250k-1MM 220 $58,153 $264,332
    Farmland loans - <$1MM 35 $3,162 $90,343
    Farmland loans - <$100k 12 $135 $11,250
    Farmland loans - $100-250k 15 $1,342 $89,467
    Farmland loans - $250k-1MM 8 $1,685 $210,625
    Agriculture operations loans - <$1MM 191 $4,700 $24,607
    Agriculture operations loans - <$100k 168 $2,609 $15,530
    Agriculture operations loans - $100-250k 17 $1,035 $60,882
    Agriculture operations loans - $250k-1MM 6 $1,056 $176,000