About Us

Five Star Bank at a Glance

With a branch network covering Western and Central New York, we’re proud to be the financial services partner our local businesses and communities trust. Backed by a strong capital base and 200-plus years of experience, we’re large enough to offer a wide range of financial solutions while providing a personalized approach to customer support.

48 Branches

Founded in 1817

Over 600 Associates

Our customers. Our communities. Our team.

These are the people of Five Star Bank, and they are at the heart of everything we do.

Community Involvement

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Your Award‑Winning Community Bank

In 2026, Five Star Bank was named one of Newsweek’s America’s Best Regional Banks, recognized for our role in supporting local economies and serving as a trusted financial partner across the markets we call home. This distinction underscores our long‑standing commitment to the people, businesses and communities we proudly serve.

Who We Are

In 2005, Five Star Bank was formed by the merger of five community banks: The National Bank of Geneva, Wyoming County Bank, First Tier Bank & Trust, Bath National Bank, and Pavilion State Bank.

Today, our branch network expands across much of Western and Central New York, with a commercial lending franchise that reaches into the Mid-Atlantic region. This growth has been made possible by staying true to our community banking roots.

Through our partnership with Courier Capital, a Western New York-based investment adviser, we’re able to offer customized investment management, retirement planning, and consulting services to individuals and families, businesses, institutions, and non-profits.

We have the values of a traditional community bank and the capacity and capability of high-level technology so you can bank with us how you want, when you want. Our vision is to be an independent, high-performing community bank, offering a simple, connected and trusted banking experience in the markets we have served for over 200 years.

Simple.

We understand that every financial decision, big or small, brings its own complexities. Our team combines deep knowledge with local experience to deliver practical solutions tailored to your unique financial needs. We’re committed to making your banking experience simple and seamless, and to always being here when you need us, so you can focus on what matters most.

Connected.

True community banking is rooted in genuine connection. For more than 200 years, we’ve partnered with our customers and communities by nurturing relationships, embracing change and prioritizing their needs and goals. Working together, we cultivate a collaborative team culture that delivers meaningful outcomes for our customers, supports the vitality of our communities and keeps you moving forward.

Trusted.

Trust is earned every day, in every interaction with our customers. You can rely on our experienced local bankers to provide personalized financial guidance, secure and reliable banking products, and dependable service. No matter what challenges arise along your financial journey, you can count on us to deliver on our promise to see you through it.