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 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 Syracuse among others. We have data for 15 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% 5/4/24
    30 Year Conventional Purchase 6.38% 5/4/24
    30 Year Conventional Refi 6.57% 5/4/24
    30 Year Cash-out Refi 6.42% 5/4/24
    30 Year FHA Purchase 6.82% 5/4/24
    30 Year VA Purchase 6.27% 5/4/24
    15 Year Conventional Purchase 6.58% 5/4/24
    15 Year Conventional Refi 6.09% 5/4/24
    15 Year Cash-out Refi 6.09% 5/4/24
    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

    1,362

    Origination Dollar Volume (All Markets)

    $257,850,000

    Employee count

    651 Show all (17) 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) 592 $117,590,000 $198,632 $2,919 4.11%
    ROCHESTER, NY (FHA|USDA|VA) 422 $86,580,000 $205,166 $1,883 4.12%
    Corning, NY (FHA|USDA|VA) 48 $17,640,000 $367,500 $1,239 4.31%
    Outside of Metro Areas 103 $11,255,000 $109,272 $1,819 4.14%
    Batavia, NY (FHA|USDA|VA) 66 $6,440,000 $97,576 $1,442 4.24%
    SYRACUSE, NY (FHA|USDA|VA) 6 $4,020,000 $670,000 $2,173 4.05%
    Olean, NY (FHA|USDA|VA) 40 $3,910,000 $97,750 $1,361 4.37%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $2,405,000 $2,405,000 $0 5.06%
    ELMIRA, NY (FHA|USDA|VA) 32 $2,170,000 $67,813 $1,644 4.19%
    Seneca Falls, NY (FHA|USDA|VA) 24 $2,040,000 $85,000 $995 4.21%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 15 $1,715,000 $114,333 $2,217 3.94%
    BINGHAMTON, NY (FHA|USDA|VA) 7 $745,000 $106,429 $3,210 4.21%
    ITHACA, NY (FHA|USDA|VA) 2 $620,000 $310,000 $5,257 4.44%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $365,000 $365,000 $6,726 4.25%
    Auburn, NY (FHA|USDA|VA) 3 $355,000 $118,333 $0 4.42%
    Five Star Bank's top markets include Buffalo, Rochester, Corning, Batavia, and Syracuse 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.

    NIAGARA'S CHOICE
    Similarity Rank: 12
    Pittsford Federal Credit Union
    Similarity Rank: 36
    BUFFALO METROPOLITAN FEDERAL CREDIT UNION
    Similarity Rank: 50
    ONTARIO SHORES
    Similarity Rank: 90
    GREATER WOODLAWN FEDERAL CREDIT UNION
    Similarity Rank: 102
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 117
    ESL Federal Credit Union
    Similarity Rank: 140
    Bank of Akron
    Similarity Rank: 144
    Moog Employees Federal Credit Union
    Similarity Rank: 153
    Elmira Savings Bank
    Similarity Rank: 264

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,285 $245,835,000 $191,311 $2,074 4.15%
    FHA 59 $8,355,000 $141,610 $5,288 4.00%
    VA 15 $3,235,000 $215,667 $3,856 3.95%
    USDA 3 $425,000 $141,667 $4,218 4.04%

    For 2019, Five Star Bank's most frequently originated type of loan was Conventional, with 1,285 originations. Their 2nd most popular type was FHA, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 987 $162,475,000 $164,615 $2,775 4.01%
    Cash Out Refi 187 $24,015,000 $128,422 $919 4.27%
    Refi 89 $26,435,000 $297,022 $899 4.32%
    Home Improvement 55 $41,955,000 $762,818 $130 5.18%
    Other 44 $2,970,000 $67,500 $1,308 4.84%

    For 2019, Five Star Bank's most frequently cited loan purpose was Home Purchase, with 987 originations. The 2nd most popular reason was Cash Out Refi, with 187 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 885 $118,215,000 $133,576 $2,825 3.96%
    20 Year 226 $28,950,000 $128,097 $770 4.61%
    15 Year 148 $16,220,000 $109,595 $889 4.19%
    10 Year 53 $22,555,000 $425,566 $273 4.55%
    Other 19 $40,985,000 $2,157,105 $1,166 4.54%
    30+ year 15 $5,695,000 $379,667 $7,756 4.53%
    5 Year 15 $25,005,000 $1,667,000 $0 4.61%
    1 Year 1 $225,000 $225,000 $0 5.50%

    For 2019, Five Star Bank's most frequently cited loan duration was 30 Year, with 885 originations. The 2nd most popular length was 20 Year, with 226 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,050 $118,440,000 $112,800
    $1k-2k 120 $22,580,000 $188,167
    $2k-3k 50 $11,110,000 $222,200
    $3k-4k 23 $4,355,000 $189,348
    $4k-5k 12 $3,770,000 $314,167
    $5k+ 8 $2,840,000 $355,000

    Five Star Bank's average total fees were $2,825, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,050 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 688 $92,690,000 $134,724
    4-5% 558 $119,970,000 $215,000
    5-6% 84 $40,220,000 $478,810
    2.5-3% 16 $2,710,000 $169,375
    6-7% 14 $2,250,000 $160,714
    <2.5% 2 $10,000 $5,000

    During 2019, Five Star Bank's average interest rate for loans was 3.96%, while their most frequently originated rate bucket for loans was 3-4%, with 688 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 611 $83,455,000 $136,588 $2,441 4.01%
    $100,000 or less 563 $37,655,000 $66,883 $1,359 4.25%
    $200k-400k 142 $37,510,000 $264,155 $4,176 4.10%
    $400k-600k 25 $11,355,000 $454,200 $6,016 4.31%
    $1MM+ 14 $82,660,000 $5,904,286 $0 4.92%
    $600k-1MM 7 $5,215,000 $745,000 $5,080 4.45%

    2019 saw Five Star Bank place emphasis on $100k-200k loans with 611 originations, totaling $83,455,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 577 $54,065,000 $93,700 $1,955 3.95%
    $50k-75k 337 $41,535,000 $123,249 $2,152 4.17%
    $100k-150k 149 $26,435,000 $177,416 $3,048 4.30%
    $75k-100k 136 $18,660,000 $137,206 $2,443 4.40%
    $150k-250k 70 $16,770,000 $239,571 $3,835 4.36%
    $250k+ 21 $5,975,000 $284,524 $4,113 4.26%

    Five Star Bank lent most frequently to those with incomes in the $50k or less range, with 577 originations. The second most popular income band? $50k-75k, with 337 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 313 $39,985,000 $127,748 $2,394 4.09%
    20-30% 297 $33,625,000 $113,215 $2,092 4.12%
    42% 99 $11,605,000 $117,222 $1,293 4.22%
    39% 88 $10,440,000 $118,636 $2,128 4.04%
    41% 70 $10,120,000 $144,571 $2,431 4.20%
    40% 69 $9,785,000 $141,812 $2,268 4.05%
    38% 67 $7,785,000 $116,194 $2,033 4.11%
    <20% 62 $7,520,000 $121,290 $1,584 4.04%
    37% 62 $8,020,000 $129,355 $2,057 4.07%
    36% 60 $7,710,000 $128,500 $2,087 4.08%
    43% 42 $5,940,000 $141,429 $2,293 4.21%
    44% 26 $3,740,000 $143,846 $2,900 4.24%
    50-60% 17 $2,585,000 $152,059 $5,381 4.04%
    48% 15 $2,975,000 $198,333 $3,946 3.97%
    45% 15 $2,935,000 $195,667 $4,174 4.13%
    46% 10 $2,130,000 $213,000 $3,969 4.15%
    49% 9 $1,615,000 $179,444 $3,772 4.01%
    47% 8 $900,000 $112,500 $3,662 3.84%

    Five Star Bank lent most frequently to those with DTI ratios of 30-36%, with 313 originations. The next most common DTI ratio? 20-30%, with 297 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,129 $146,555,000 $129,810 $2,229 4.13%
    Not applicable 31 $87,975,000 $2,837,903 $0 5.37%
    Black 121 $12,665,000 $104,669 $2,314 3.96%
    Asian 47 $6,285,000 $133,723 $2,531 3.97%
    Not provided 27 $3,435,000 $127,222 $2,076 4.25%
    American Indian 6 $830,000 $138,333 $3,590 4.06%
    Vietnamese 1 $105,000 $105,000 $1,865 4.00%

    Approval Rates

    Total approvals of all applications
    88.69%

    Five Star Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.57%

    Five Star Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,362 $257,850,000 $189,317

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 24 $87,050,000 $3,627,083
    Single Family (1-4 Units):Manufactured 10 $670,000 $67,000
    Single Family (1-4 Units):Site-Built 1,328 $170,130,000 $128,110

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 78 $10,950,000 $140,385 $329 4.69%
    40-60% 100 $16,420,000 $164,200 $1,065 4.27%
    60-80% 283 $96,265,000 $340,159 $2,393 4.26%
    80-100% 863 $131,925,000 $152,868 $2,583 4.00%
    Over 100% 1 $285,000 $285,000 $12,420 4.75%
    Under 20% 37 $2,005,000 $54,189 $60 4.96%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Five Star Bank 1940 Monroe Ave Rochester, NY 14618 Full Service B&M $25,301
    Five Star Bank 1940 Routes 5 & 20 Waterloo, NY 13165 Full Service B&M $105,848
    Five Star Bank 2 Seneca Street Geneva, NY 14456 Full Service B&M $73,737
    Five Star Bank 2 West Avenue Brockport, NY 14420 Full Service B&M $46,598
    Five Star Bank 3110 Main Street Caledonia, NY 14423 Full Service B&M $35,438
    Five Star Bank 3131 Silverback Lane Painted Post, NY 14870 Full Service B&M $57,681
    Five Star Bank 3177 Chili Avenue Rochester, NY 14624 Full Service B&M $30,863
    Five Star Bank 32 Main Street Dundee, NY 14837 Full Service B&M $58,898
    Five Star Bank 323 Washington Street Bath, NY 14810 Full Service B&M $29,909
    Five Star Bank 55 North Main Street Warsaw, NY 14569 Full Service B&M $609,753
    Five Star Bank 2168 Route 96 A Ovid, NY 14521 Full Service B&M $39,681
    Five Star Bank 217 Prescott Avenue Elmira Heights, NY 14903 Full Service B&M $23,087
    Five Star Bank 22 Shether Street Hammondsport, NY 14840 Full Service B&M $39,859
    Five Star Bank 23 State Street Mount Morris, NY 14510 Full Service B&M $84,300
    Five Star Bank 2330 North Main Street Warsaw, NY 14569 Full Service B&M $53,226
    Five Star Bank 2425 Rochester Road Canandaigua, NY 14424 Full Service B&M $83,052
    Five Star Bank 26 Main Street Attica, NY 14011 Full Service B&M $93,322
    Five Star Bank 27 Water Street Cuba, NY 14727 Full Service B&M $61,878
    Five Star Bank 2833 Ridge Road W. Ste 29 Greece, NY 14626 Full Service B&M $34,840
    Five Star Bank 284 East Fairmount Ave Lakewood, NY 14750 Full Service B&M $30,518
    Five Star Bank 3 West Main Street Victor, NY 14564 Full Service B&M $57,501
    Five Star Bank 309 South Main Street Horseheads, NY 14845 Full Service B&M $63,317
    Five Star Bank 3233 Southwestern Boulevard Orchard Park, NY 14127 Full Service B&M $43,788
    Five Star Bank 60 West Main Street Allegany, NY 14706 Full Service B&M $80,240
    Five Star Bank 7434 Seneca Road North Hornell, NY 14843 Full Service B&M $50,143
    Five Star Bank 765 Calkins Road Rochester, NY 14623 Full Service B&M $63,489
    Five Star Bank 166 West Main Street Honeoye Falls, NY 14472 Full Service B&M $34,095
    Five Star Bank 184 South Main Street Naples, NY 14512 Full Service B&M $38,922
    Five Star Bank 19 South Main Street Avoca, NY 14809 Full Service B&M $27,381
    Five Star Bank 1 South Main Street Wayland, NY 14572 Full Service B&M $54,124
    Five Star Bank 100 Chestnut Street Rochester, NY 14604 Full Service B&M $9,887
    Five Star Bank 102 North Main Street Albion, NY 14411 Full Service B&M $77,179
    Five Star Bank 107 Main Street Salamanca, NY 14779 Full Service B&M $81,165
    Five Star Bank 12209 Route 16 Yorkshire, NY 14173 Full Service B&M $47,296
    Five Star Bank 124 West Main Street Le Roy, NY 14482 Full Service B&M $65,571
    Five Star Bank 129 Elm Street Penn Yan, NY 14527 Full Service B&M $113,799
    Five Star Bank 129 North Union Street Olean, NY 14760 Full Service B&M $68,251
    Five Star Bank 150 Lake Street Elmira, NY 14901 Full Service B&M $69,620
    Five Star Bank 152 Franklin Street Dansville, NY 14437 Full Service B&M $60,355
    Five Star Bank 211 Main Street East Aurora, NY 14052 Full Service B&M $49,963
    Five Star Bank 3261 Rochester Road Lakeville, NY 14480 Full Service B&M $69,480
    Five Star Bank 327 Main Street Medina, NY 14103 Full Service B&M $28,871
    Five Star Bank 345 West Genesee Street Auburn, NY 13021 Full Service B&M $48,775
    Five Star Bank 3672 Route 78 Strykersville, NY 14145 Full Service B&M $58,223
    Five Star Bank 387 Hamilton Street Geneva, NY 14456 Full Service B&M $54,470
    Five Star Bank 395 Westfall Road Rochester, NY 14620 Full Service B&M $27,850
    Five Star Bank 40-50 Fountain Plaza, Suite 150 Buffalo, NY 14202 Full Service B&M $12,090
    Five Star Bank 401 West Main Street Batavia, NY 14020 Full Service B&M $53,774
    Five Star Bank 44 Liberty Street Bath, NY 14810 Full Service B&M $104,796
    Five Star Bank 4431 Genesee Valley Plaza Geneseo, NY 14454 Full Service B&M $81,867
    Five Star Bank 54 Washington Street Ellicottville, NY 14731 Full Service B&M $33,211
    Five Star Bank 5491 Sheridan Drive Amherst, NY 14221 Full Service B&M $64,915
    Five Star Bank 567 East Main Street, Store #1 Eastown Plaza Batavia, NY 14020 Full Service B&M $72,589

    For 2019, Five Star Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $170,258
    Net interest income $133,841
    Total noninterest income $25,870
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,663
    Trading account gains and fees $2,190
    Additional Noninterest Income $17,017
    Pre-tax net operating income $63,251
    Securities gains (or losses, -) $1,677
    Income before extraordinary items $53,738
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $53,738
    Minority interest net income $0
    Net income $53,738
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $52,346

    Five Star Bank's gross interest income from loans was $170,258,000.
    Five Star Bank's net interest income from loans was $133,841,000.
    Five Star Bank's fee based income from loans was $6,663,000.
    Five Star Bank's net income from loans was $53,738,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $36,417
    Provision for credit losses $8,045
    Total noninterest expense $88,415
    Salaries and employee benefits $47,898
    Premises and equipment expense $12,745
    Additional noninterest expense $27,772
    Applicable income taxes $11,190
    Net charge-offs $11,477
    Cash dividends $20,000

    Five Star Bank's interest expense for loans was $36,417,000.
    Five Star Bank's payroll and benefits expense were $47,898,000.
    Five Star Bank's property, plant and equipment expenses $12,745,000.

    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 $3,564,852
    Deposits held in domestic offices $3,564,852
    Deposits by Individuals, partnerships, and corporations $2,613,216
    Deposits by U.S. Government $12
    Deposits by States and political subdivisions in the U.S. $939,394
    Deposits by Commercial banks and other depository institutions in U.S. $12,230
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $387,850
    Demand deposits $238,873
    Nontransaction accounts $3,177,002
    Money market deposit accounts (MMDAs) $1,610,601
    Other savings deposits (excluding MMDAs) $398,643
    Total time deposits $1,167,757
    Total time and savings deposits $3,325,979
    Noninterest-bearing deposits $716,928
    Interest-bearing deposits $2,847,924
    Retail deposits $3,128,588
    IRAs and Keogh plan accounts $70,331
    Brokered deposits $208,752
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,346,616
    Cash & Balances due from depository institutions $108,583
    Interest-bearing balances $58,044
    Total securities $776,917
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,194,729
    Loan and leases loss allowance $30,482
    Trading account assets $6,599
    Bank premises and fixed assets $59,111
    Other real estate owned $468
    Goodwill and other intangibles $49,763
    All other assets $150,446

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,346,615
    Total Liabilities $3,904,818
    Total deposits $3,564,852
    Interest-bearing deposits $2,847,924
    Deposits held in domestic offices $3,564,852
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $6,720
    Other borrowed funds $275,500
    Subordinated debt $0
    All other liabilities $57,746

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,194,729
    Loan and leases loss allowance $30,482
    Total loans and leases (domestic) $3,225,211
    All real estate loans $1,818,588
    Real estate loans in domestic offices $1,818,588
    Construction and development loans $281,589
    Residential 1-4 family construction $13,789
    Other construction, all land development and other land $267,800
    Loans secured by nonfarm nonresidential properties $711,280
    Nonfarm nonresidential secured by owner-occupied properties $209,082
    Commercial real estate & other non-farm, non-residential $502,198
    Multifamily residential real estate $114,459
    1-4 family residential loans $699,055
    Farmland loans $12,205
    Loans held in foreign offices $0
    Farm loans $17,424
    Commercial and industrial loans $457,887
    To non-U.S. addressees $0
    Loans to individuals $865,867
    Credit card loans $0
    Related Plans $3,254
    Consumer Auto Loans $850,538
    Other loans to individuals $12,075
    All other loans & leases $65,445
    Loans to foreign governments and official institutions $0
    Other loans $33,950
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $10,296
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Five Star Bank had $3,194,729,000 of loans outstanding in 2019. $1,818,588,000 of loans were in real estate loans. $281,589,000 of loans were in development loans. $114,459,000 of loans were in multifamily mortgage loans. $699,055,000 of loans were in 1-4 family mortgage loans. $17,424,000 of loans were in farm loans. $0 of loans were in credit card loans. $850,538,000 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 413 $95,287 $230,719
    Nonfarm, nonresidential loans - <$100k 71 $2,371 $33,394
    Nonfarm, nonresidential loans - $100-250k 122 $11,332 $92,885
    Nonfarm, nonresidential loans - $250k-1MM 220 $81,584 $370,836
    Commercial & Industrial, US addressed loans - <$1MM 1,961 $97,221 $49,577
    Commercial & Industrial, US addressed loans - <$100k 1,496 $20,569 $13,749
    Commercial & Industrial, US addressed loans - $100-250k 241 $20,010 $83,029
    Commercial & Industrial, US addressed loans - $250k-1MM 224 $56,642 $252,866
    Farmland loans - <$1MM 33 $4,021 $121,848
    Farmland loans - <$100k 8 $103 $12,875
    Farmland loans - $100-250k 14 $1,358 $97,000
    Farmland loans - $250k-1MM 11 $2,560 $232,727
    Agriculture operations loans - <$1MM 188 $4,205 $22,367
    Agriculture operations loans - <$100k 169 $2,500 $14,793
    Agriculture operations loans - $100-250k 15 $829 $55,267
    Agriculture operations loans - $250k-1MM 4 $876 $219,000