Five Star Bank

Five Star Bank is a community bank headquartered in Warsaw, New York, offering a comprehensive suite of consumer and commercial banking and lending services to individuals, municipalities, and businesses. Established in 1817, the bank's mission is to deliver exceptional banking services, foster lasting relationships, and contribute to the economic vitality of the communities it serves, aiming to be an independent, high-performing, and trusted financial partner.

The bank provides a wide array of financial products and services, including checking and savings accounts, various loan types such as commercial real estate, commercial, consumer, residential mortgage, and home equity loans, as well as credit cards. Through its partnership with Courier Capital, it also offers investment management, retirement planning, and consulting services. Five Star Bank primarily operates across Western and Central New York, with its commercial lending activities extending into the Mid-Atlantic region, serving diverse sectors including healthcare and financial services.

In recent news, Five Star Bank was recognized as one of Newsweek's America's Best Regional Banks for 2026. The bank's parent company, Financial Institutions, Inc., announced in late 2024 its decision to wind down its Banking-as-a-Service (BaaS) offerings by 2025 to refocus on its core community banking franchise. Martin K. Birmingham serves as the President and CEO of both Five Star Bank and its parent company.