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, Olean, and Utica among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Five Star Bank has an above 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% 11/21/24
    30 Year Conventional Purchase 6.38% 11/21/24
    30 Year Conventional Refi 6.57% 11/21/24
    30 Year Cash-out Refi 6.42% 11/21/24
    30 Year FHA Purchase 6.82% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.58% 11/21/24
    15 Year Conventional Refi 6.09% 11/21/24
    15 Year Cash-out Refi 6.09% 11/21/24
    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

    1,813

    Origination Dollar Volume (All Markets)

    $405,275,000

    Employee count

    556

    Awards

    Five Star Bank FHA Loans gold Five Star Bank FHA Loans silver Five Star Bank 30 Year Conventional Loans silver Five Star Bank 30 Year Conventional Loans bronze
    Show all (4) 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) 744 $213,660,000 $287,177 $3,422 3.32%
    ROCHESTER, NY (FHA|USDA|VA) 558 $97,260,000 $174,301 $2,160 3.41%
    Corning, NY (FHA|USDA|VA) 82 $21,390,000 $260,854 $1,669 3.73%
    Outside of Metro Areas 139 $14,375,000 $103,417 $1,532 3.56%
    Olean, NY (FHA|USDA|VA) 58 $10,650,000 $183,621 $1,446 3.65%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $10,605,000 $10,605,000 $0 2.91%
    Batavia, NY (FHA|USDA|VA) 96 $10,130,000 $105,521 $1,549 3.61%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $9,215,000 $9,215,000 $0 2.39%
    Seneca Falls, NY (FHA|USDA|VA) 46 $4,840,000 $105,217 $887 3.77%
    SYRACUSE, NY (FHA|USDA|VA) 10 $3,450,000 $345,000 $4,199 3.48%
    ELMIRA, NY (FHA|USDA|VA) 35 $2,935,000 $83,857 $2,169 3.72%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 20 $2,700,000 $135,000 $2,807 3.11%
    Auburn, NY (FHA|USDA|VA) 16 $2,660,000 $166,250 $1,664 3.84%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $415,000 $415,000 $5,670 3.00%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $365,000 $365,000 $5,559 3.25%
    ITHACA, NY (FHA|USDA|VA) 2 $230,000 $115,000 $0 3.81%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.88%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.75%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,963 3.00%
    Five Star Bank's top markets include Buffalo, Rochester, Corning, Olean, and Utica among others.

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

    Pittsford Federal Credit Union
    Similarity Rank: 70
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 108
    ONTARIO SHORES
    Similarity Rank: 111
    Bank of Akron
    Similarity Rank: 114
    RIVERSIDE
    Similarity Rank: 128
    RELIANT COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 190
    Moog Employees Federal Credit Union
    Similarity Rank: 192
    GREATER WOODLAWN FEDERAL CREDIT UNION
    Similarity Rank: 228
    VISIONS
    Similarity Rank: 240
    FAMILY FIRST OF NY
    Similarity Rank: 378

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,595 $386,395,000 $242,254 $2,488 3.31%
    HELOC 184 $14,030,000 $76,250 n/a 4.50%
    FHA 24 $3,230,000 $134,583 $5,265 3.40%
    VA 5 $1,005,000 $201,000 $5,775 3.38%
    USDA 5 $615,000 $123,000 $4,022 3.65%

    For 2020, Five Star Bank's most frequently originated type of loan was Conventional, with 1,595 originations. Their 2nd most popular type was HELOC, with 184 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 894 $245,220,000 $274,295 $3,275 3.26%
    Cash Out Refi 415 $62,715,000 $151,120 $1,614 3.43%
    Refi 302 $83,580,000 $276,755 $2,096 3.36%
    Other 113 $8,395,000 $74,292 $1,682 4.36%
    Home Improvement 89 $5,365,000 $60,281 $401 4.30%

    For 2020, Five Star Bank's most frequently cited loan purpose was Home Purchase, with 894 originations. The 2nd most popular reason was Cash Out Refi, with 415 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,053 $152,605,000 $144,924 $3,547 3.45%
    15 Year 331 $43,885,000 $132,583 $1,361 3.21%
    20 Year 301 $45,965,000 $152,708 $1,190 3.61%
    10 Year 73 $45,615,000 $624,863 $760 3.37%
    Other 35 $106,875,000 $3,053,571 $1,075 3.56%
    30+ year 10 $4,190,000 $419,000 $7,431 3.39%
    5 Year 10 $6,140,000 $614,000 $0 4.01%

    For 2020, Five Star Bank's most frequently cited loan duration was 30 Year, with 1,053 originations. The 2nd most popular length was 15 Year, with 331 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,078 $137,100,000 $127,180
    $1k-2k 241 $43,245,000 $179,440
    $2k-3k 103 $22,415,000 $217,621
    $3k-4k 48 $11,760,000 $245,000
    $5k+ 25 $7,745,000 $309,800
    $4k-5k 20 $5,340,000 $267,000

    Five Star Bank's average total fees were $3,547, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,078 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 899 $173,395,000 $192,875
    2.5-3% 620 $127,070,000 $204,952
    4-5% 237 $82,985,000 $350,148
    <2.5% 31 $20,805,000 $671,129
    5-6% 24 $950,000 $39,583
    6-7% 2 $70,000 $35,000

    During 2020, Five Star Bank's average interest rate for loans was 3.45%, while their most frequently originated rate bucket for loans was 3-4%, with 899 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 820 $115,070,000 $140,329 $2,548 3.29%
    $100,000 or less 641 $42,445,000 $66,217 $1,485 3.69%
    $200k-400k 294 $78,490,000 $266,973 $3,966 3.26%
    $400k-600k 24 $11,490,000 $478,750 $5,865 3.30%
    $1MM+ 17 $145,435,000 $8,555,000 $0 3.43%
    $600k-1MM 17 $12,345,000 $726,176 $6,320 3.64%

    2020 saw Five Star Bank place emphasis on $100k-200k loans with 820 originations, totaling $115,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 567 $57,315,000 $101,085 $2,361 3.35%
    $50k-75k 439 $54,565,000 $124,294 $2,379 3.44%
    $75k-100k 248 $35,620,000 $143,629 $2,949 3.50%
    $100k-150k 247 $44,775,000 $181,275 $2,972 3.48%
    $150k-250k 150 $31,300,000 $208,667 $2,981 3.59%
    $250k+ 45 $15,555,000 $345,667 $4,259 3.47%

    Five Star Bank lent most frequently to those with incomes in the $50k or less range, with 567 originations. The second most popular income band? $50k-75k, with 439 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 425 $58,925,000 $138,647 $2,528 3.42%
    20-30% 360 $48,280,000 $134,111 $2,353 3.38%
    42% 122 $16,760,000 $137,377 $2,146 3.62%
    <20% 117 $16,495,000 $140,983 $2,167 3.39%
    39% 111 $13,965,000 $125,811 $2,696 3.52%
    40% 108 $15,450,000 $143,056 $2,517 3.27%
    41% 108 $15,270,000 $141,389 $2,169 3.51%
    37% 98 $16,040,000 $163,673 $2,979 3.48%
    36% 82 $10,220,000 $124,634 $2,215 3.50%
    38% 78 $11,440,000 $146,667 $2,476 3.40%
    43% 57 $9,795,000 $171,842 $3,402 3.38%
    44% 30 $5,190,000 $173,000 $4,022 3.33%
    46% 19 $3,505,000 $184,474 $4,257 3.20%
    49% 17 $3,435,000 $202,059 $4,267 3.06%
    45% 15 $2,485,000 $165,667 $3,637 3.34%
    48% 12 $2,010,000 $167,500 $3,843 3.02%
    47% 8 $930,000 $116,250 $2,981 3.25%
    50-60% 3 $485,000 $161,667 $5,922 3.13%

    Five Star Bank lent most frequently to those with DTI ratios of 30-36%, with 425 originations. The next most common DTI ratio? 20-30%, with 360 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,489 $215,395,000 $144,657 $2,498 3.45%
    Not applicable 41 $154,285,000 $3,763,049 $0 4.03%
    Not provided 145 $16,775,000 $115,690 $2,681 3.21%
    Black 79 $10,265,000 $129,937 $3,004 3.28%
    Asian 52 $7,860,000 $151,154 $2,826 3.20%
    American Indian 6 $540,000 $90,000 $2,305 3.60%
    Native Hawaiian or Islander 1 $155,000 $155,000 $3,018 3.13%

    Approval Rates

    Total approvals of all applications
    90.21%

    Five Star Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.14%

    Five Star Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,813 $405,275,000 $223,538

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,205,000 $1,205,000
    Multifamily:Site-Built 31 $151,515,000 $4,887,581
    Single Family (1-4 Units):Manufactured 15 $1,175,000 $78,333
    Single Family (1-4 Units):Site-Built 1,766 $251,380,000 $142,344

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 179 $18,675,000 $104,330 $644 4.02%
    40-60% 226 $37,630,000 $166,504 $1,638 3.40%
    60-80% 454 $177,770,000 $391,564 $2,602 3.37%
    80-100% 882 $168,440,000 $190,975 $2,968 3.29%
    Under 20% 72 $2,760,000 $38,333 $370 4.21%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Five Star Bank 12209 Route 16 Yorkshire, NY 14173 Full Service B&M $55,154
    Five Star Bank 19 South Main Street Avoca, NY 14809 Full Service B&M $28,803
    Five Star Bank 124 West Main Street Le Roy, NY 14482 Full Service B&M $71,435
    Five Star Bank 1940 Monroe Ave Rochester, NY 14618 Full Service B&M $21,547
    Five Star Bank 1940 Routes 5 & 20 Waterloo, NY 13165 Full Service B&M $125,575
    Five Star Bank 129 Elm Street Penn Yan, NY 14527 Full Service B&M $116,341
    Five Star Bank 129 North Union Street Olean, NY 14760 Full Service B&M $95,055
    Five Star Bank 150 Lake Street Elmira, NY 14901 Full Service B&M $75,576
    Five Star Bank 2330 North Main Street Warsaw, NY 14569 Full Service B&M $62,636
    Five Star Bank 3261 Rochester Road Lakeville, NY 14480 Full Service B&M $68,513
    Five Star Bank 327 Main Street Medina, NY 14103 Full Service B&M $31,589
    Five Star Bank 345 West Genesee Street Auburn, NY 13021 Full Service B&M $69,179
    Five Star Bank 3672 Route 78 Strykersville, NY 14145 Full Service B&M $70,484
    Five Star Bank 387 Hamilton Street Geneva, NY 14456 Full Service B&M $63,996
    Five Star Bank 395 Westfall Road Rochester, NY 14620 Full Service B&M $19,445
    Five Star Bank 2 Seneca Street Geneva, NY 14456 Full Service B&M $73,140
    Five Star Bank 2 West Avenue Brockport, NY 14420 Full Service B&M $50,912
    Five Star Bank 211 Main Street East Aurora, NY 14052 Full Service B&M $60,077
    Five Star Bank 2168 Route 96 A Ovid, NY 14521 Full Service B&M $41,355
    Five Star Bank 217 Prescott Avenue Elmira Heights, NY 14903 Full Service B&M $21,078
    Five Star Bank 22 Shether Street Hammondsport, NY 14840 Full Service B&M $46,989
    Five Star Bank 1 South Main Street Wayland, NY 14572 Full Service B&M $62,146
    Five Star Bank 100 Chestnut Street Rochester, NY 14604 Full Service B&M $25,010
    Five Star Bank 102 North Main Street Albion, NY 14411 Full Service B&M $86,406
    Five Star Bank 107 Main Street Salamanca, NY 14779 Full Service B&M $91,851
    Five Star Bank 184 South Main Street Naples, NY 14512 Full Service B&M $52,077
    Five Star Bank 152 Franklin Street Dansville, NY 14437 Full Service B&M $74,287
    Five Star Bank 166 West Main Street Honeoye Falls, NY 14472 Full Service B&M $39,929
    Five Star Bank 23 State Street Mount Morris, NY 14510 Full Service B&M $98,928
    Five Star Bank 2425 Rochester Road Canandaigua, NY 14424 Full Service B&M $89,646
    Five Star Bank 26 Main Street Attica, NY 14011 Full Service B&M $109,229
    Five Star Bank 27 Water Street Cuba, NY 14727 Full Service B&M $53,317
    Five Star Bank 2833 Ridge Road W. Ste 29 Greece, NY 14626 Full Service B&M $48,734
    Five Star Bank 284 East Fairmount Ave Lakewood, NY 14750 Full Service B&M $31,481
    Five Star Bank 3 West Main Street Victor, NY 14564 Full Service B&M $81,479
    Five Star Bank 309 South Main Street Horseheads, NY 14845 Full Service B&M $74,867
    Five Star Bank 3110 Main Street Caledonia, NY 14423 Full Service B&M $37,259
    Five Star Bank 3131 Silverback Lane Painted Post, NY 14870 Full Service B&M $55,568
    Five Star Bank 3177 Chili Avenue Rochester, NY 14624 Full Service B&M $36,416
    Five Star Bank 32 Main Street Dundee, NY 14837 Full Service B&M $60,164
    Five Star Bank 323 Washington Street Bath, NY 14810 Full Service B&M $31,662
    Five Star Bank 3233 Southwestern Boulevard Orchard Park, NY 14127 Full Service B&M $66,375
    Five Star Bank 40-50 Fountain Plaza, Suite 150 Buffalo, NY 14202 Full Service B&M $15,638
    Five Star Bank 401 West Main Street Batavia, NY 14020 Full Service B&M $61,275
    Five Star Bank 44 Liberty Street Bath, NY 14810 Full Service B&M $124,178
    Five Star Bank 4431 Genesee Valley Plaza Geneseo, NY 14454 Full Service B&M $86,485
    Five Star Bank 54 Washington Street Ellicottville, NY 14731 Full Service B&M $40,905
    Five Star Bank 5491 Sheridan Drive Amherst, NY 14221 Full Service B&M $79,129
    Five Star Bank 55 North Main Street Warsaw, NY 14569 Full Service B&M $757,202
    Five Star Bank 567 East Main Street, Store #1 Eastown Plaza Batavia, NY 14020 Full Service B&M $78,014
    Five Star Bank 60 West Main Street Allegany, NY 14706 Full Service B&M $49,894
    Five Star Bank 7434 Seneca Road North Hornell, NY 14843 Full Service B&M $45,400
    Five Star Bank 765 Calkins Road Rochester, NY 14623 Full Service B&M $89,840

    For 2020, Five Star Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $162,172
    Net interest income $142,745
    Total noninterest income $28,375
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,489
    Trading account gains and fees $4,708
    Additional Noninterest Income $19,178
    Pre-tax net operating income $49,334
    Securities gains (or losses, -) $1,599
    Income before extraordinary items $42,303
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $42,303
    Minority interest net income $0
    Net income $42,303
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $40,975

    Five Star Bank's gross interest income from loans was $162,172,000.
    Five Star Bank's net interest income from loans was $142,745,000.
    Five Star Bank's fee based income from loans was $4,489,000.
    Five Star Bank's net income from loans was $42,303,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,427
    Provision for credit losses $26,110
    Total noninterest expense $95,676
    Salaries and employee benefits $50,574
    Premises and equipment expense $12,825
    Additional noninterest expense $32,277
    Applicable income taxes $8,630
    Net charge-offs $13,816
    Cash dividends $23,000

    Five Star Bank's interest expense for loans was $19,427,000.
    Five Star Bank's payroll and benefits expense were $50,574,000.
    Five Star Bank's property, plant and equipment expenses $12,825,000.

    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 $4,312,874
    Deposits held in domestic offices $4,312,874
    Deposits by Individuals, partnerships, and corporations $3,309,988
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $989,150
    Deposits by Commercial banks and other depository institutions in U.S. $13,731
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $676,668
    Demand deposits $498,931
    Nontransaction accounts $3,636,207
    Money market deposit accounts (MMDAs) $2,248,770
    Other savings deposits (excluding MMDAs) $519,217
    Total time deposits $868,220
    Total time and savings deposits $3,813,944
    Noninterest-bearing deposits $1,053,057
    Interest-bearing deposits $3,259,817
    Retail deposits $3,841,547
    IRAs and Keogh plan accounts $62,190
    Brokered deposits $279,618
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,875,673
    Cash & Balances due from depository institutions $89,343
    Interest-bearing balances $41,335
    Total securities $900,025
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,547,065
    Loan and leases loss allowance $52,378
    Trading account assets $19,626
    Bank premises and fixed assets $56,444
    Other real estate owned $2,966
    Goodwill and other intangibles $49,884
    All other assets $210,320

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,875,673
    Total Liabilities $4,396,651
    Total deposits $4,312,874
    Interest-bearing deposits $3,259,817
    Deposits held in domestic offices $4,312,874
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $19,837
    Other borrowed funds $5,300
    Subordinated debt $0
    All other liabilities $58,640

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,547,065
    Loan and leases loss allowance $52,378
    Total loans and leases (domestic) $3,599,443
    All real estate loans $1,970,182
    Real estate loans in domestic offices $1,970,182
    Construction and development loans $292,042
    Residential 1-4 family construction $6,471
    Other construction, all land development and other land $285,571
    Loans secured by nonfarm nonresidential properties $768,890
    Nonfarm nonresidential secured by owner-occupied properties $229,106
    Commercial real estate & other non-farm, non-residential $539,784
    Multifamily residential real estate $184,922
    1-4 family residential loans $712,747
    Farmland loans $11,581
    Loans held in foreign offices $0
    Farm loans $16,488
    Commercial and industrial loans $693,711
    To non-U.S. addressees $234
    Loans to individuals $856,928
    Credit card loans $0
    Related Plans $3,663
    Consumer Auto Loans $840,502
    Other loans to individuals $12,763
    All other loans & leases $62,135
    Loans to foreign governments and official institutions $0
    Other loans $34,289
    Loans to depository institutions and acceptances of other banks $1
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $10,455
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Five Star Bank had $3,547,065,000 of loans outstanding in 2020. $1,970,182,000 of loans were in real estate loans. $292,042,000 of loans were in development loans. $184,922,000 of loans were in multifamily mortgage loans. $712,747,000 of loans were in 1-4 family mortgage loans. $16,488,000 of loans were in farm loans. $0 of loans were in credit card loans. $840,502,000 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 376 $87,073 $231,577
    Nonfarm, nonresidential loans - <$100k 62 $1,985 $32,016
    Nonfarm, nonresidential loans - $100-250k 111 $10,195 $91,847
    Nonfarm, nonresidential loans - $250k-1MM 203 $74,893 $368,931
    Commercial & Industrial, US addressed loans - <$1MM 2,935 $179,921 $61,302
    Commercial & Industrial, US addressed loans - <$100k 2,214 $42,186 $19,054
    Commercial & Industrial, US addressed loans - $100-250k 396 $43,682 $110,308
    Commercial & Industrial, US addressed loans - $250k-1MM 325 $94,053 $289,394
    Farmland loans - <$1MM 32 $3,491 $109,094
    Farmland loans - <$100k 7 $75 $10,714
    Farmland loans - $100-250k 14 $1,138 $81,286
    Farmland loans - $250k-1MM 11 $2,278 $207,091
    Agriculture operations loans - <$1MM 196 $6,130 $31,276
    Agriculture operations loans - <$100k 168 $2,093 $12,458
    Agriculture operations loans - $100-250k 18 $1,225 $68,056
    Agriculture operations loans - $250k-1MM 10 $2,812 $281,200