Lenders › Five Star Bank
7(a) lenderRochester, New YorkFDIC-insured bank120th of 2,184 by approvals
Five Star Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Five Star Bank (Rochester, New York) is an FDIC-insured bank in the SBA 7(a) program, 120th of 2,184 by approvals in FY2021 to FY2025: 318 loans worth $31.8M.
In FY2025, the latest complete fiscal year, it had 95 approvals totalling $12.6M, about level with FY2024 (102). FY2026 to 30 Jun 2026 adds 20 more.
The median approval was $32K, against $190K for the 7(a) program as a whole; 84.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 20 counties, led by New York (99.4%) and Pennsylvania (0.6%). The largest industry group was construction at 23.9% of approvals, and 1.6% of approvals were to franchise businesses.
Of 1,284 disbursed loans approved in FY2010 to FY2021, SBA records 50 as charged off (3.9%), 1,130 as paid in full and 104 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 20 | $5.4M | $70K | $271K | 82 |
| FY2025 | 95 | $12.6M | $50K | $133K | 591 |
| FY2024 | 102 | $8.1M | $25K | $79K | 346 |
| FY2023 | 51 | $3.0M | $25K | $60K | 194 |
| FY2022 | 30 | $5.0M | $68K | $167K | 123 |
| FY2021 | 40 | $3.1M | $25K | $77K | 129 |
| FY2020 | 37 | $3.0M | $30K | $80K | 204 |
| FY2019 | 70 | $6.0M | $25K | $85K | 279 |
| FY2018 | 132 | $8.2M | $25K | $62K | 589 |
| FY2017 | 156 | $18.3M | $50K | $118K | 1,235 |
| FY2016 | 251 | $15.4M | $35K | $61K | 1,568 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 646 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | New York | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,484 | 39,899 | 639,905 |
| Cancelled or never disbursed | 200 | 5,223 | 79,313 |
| Disbursed loans | 1,284 | 34,676 | 560,592 |
| Paid in full | 1,130 | 26,873 | 435,813 |
| Charged off | 50 | 2,802 | 36,891 |
| Still outstanding (status exempt from disclosure) | 104 | 5,001 | 87,888 |
| Charged off, share of disbursed loans | 3.9% | 8.1% | 6.6% |
| Dollars charged off, share of disbursed dollars | 3.7% | 3.2% | 2.5% |
| Dollars charged off | $4.6M | $312M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 30 | 10 | 0 | 0.0% | 2.8% |
| FY2020 | 26 | 16 | 0 | — | 4.0% |
| FY2019 | 51 | 35 | 2 | 3.9% | 6.7% |
| FY2018 | 114 | 90 | 1 | 0.9% | 7.9% |
| FY2017 | 136 | 121 | 0 | 0.0% | 7.7% |
| FY2016 | 210 | 188 | 9 | 4.3% | 7.2% |
| FY2015 | 159 | 148 | 8 | 5.0% | 6.9% |
| FY2014 | 100 | 96 | 1 | 1.0% | 6.4% |
| FY2013 | 80 | 73 | 6 | 7.5% | 6.0% |
| FY2012 | 95 | 90 | 5 | 5.3% | 6.3% |
| FY2011 | 145 | 133 | 10 | 6.9% | 6.9% |
| FY2010 | 138 | 130 | 8 | 5.8% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $32K | $190K |
| Average approval | $100K | $518K |
| Approvals of $150,000 or less | 84.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 23.3% | 34.3% |
| Approvals to franchise businesses | 1.6% | 11.5% |
| Jobs supported per approval, as reported | 4.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.9% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | New York | 316 | $31.6M | 99.4% | |
| 2 | Pennsylvania | 2 | — | 0.6% |
In New York the lender accounts for 1.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (20 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Erie County, NY | 51 | $10.0M | 16.0% | |
| 2 | Monroe County, NY | 46 | $6.0M | 14.5% | |
| 3 | Steuben County, NY | 35 | $1.8M | 11.0% | |
| 4 | Livingston County, NY | 28 | $1.5M | 8.8% | |
| 5 | Cattaraugus County, NY | 26 | $964K | 8.2% | |
| 6 | Wyoming County, NY | 24 | $989K | 7.5% | |
| 7 | Orleans County, NY | 18 | $580K | 5.7% | |
| 8 | Genesee County, NY | 17 | $1.7M | 5.3% | |
| 9 | Chemung County, NY | 14 | $911K | 4.4% | |
| 10 | Ontario County, NY | 13 | $1.1M | 4.1% | |
| 11 | Yates County, NY | 10 | $165K | 3.1% | |
| 12 | Seneca County, NY | 7 | $141K | 2.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 76 | 23.9% | |
| 2 | Other Services (except Public Administration) | 36 | 11.3% | |
| 3 | Retail Trade | 35 | 11.0% | |
| 4 | Manufacturing | 34 | 10.7% | |
| 5 | Accommodation and Food Services | 30 | 9.4% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 22 | 6.9% | |
| 7 | Transportation and Warehousing | 21 | 6.6% | |
| 8 | Wholesale Trade | 15 | 4.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 25 | 7.9% | |
| 2 | Residential Building ConstructionNAICS 2361 | 24 | 7.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 5.7% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 17 | 5.3% | |
| 5 | General Freight TruckingNAICS 4841 | 14 | 4.4% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 13 | 4.1% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 13 | 4.1% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 11 | 3.5% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 2.8% | |
| 10 | Beverage ManufacturingNAICS 3121 | 9 | 2.8% |
Approval sizes
- $50,000 or less67.3%214
- $50,001 to $150,00017.0%54
- $150,001 to $350,00010.1%32
- $350,001 to $1 million4.7%15
- $1 million to $2 million0.6%2
- Over $2 million0.3%1
Loan terms
- 5 years or less13.2%42
- Over 5 to 10 years80.5%256
- Over 10 to 20 years6.0%19
- Over 20 years0.3%1
Age of the businesses
- Existing, more than 2 years old68.2%217
- New business, 2 years or less17.6%56
- Startup, loan funds will open the business5.7%18
- Change of ownership8.5%27
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 306 | 96.2% | |
| 2 | Preferred Lenders Program | 12 | 3.8% |
Franchise share
5 of 318 approvals in FY2021–FY2025 (1.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Play It Again Sports | 1 | 0.3% | |
| 2 | Fastsigns | 1 | 0.3% | |
| 3 | Little Caesars | 1 | 0.3% | |
| 4 | Home Instead | 1 | 0.3% | |
| 5 | 7-Eleven, Inc | 1 | 0.3% |
Questions and answers
How many SBA loans does Five Star Bank make?
SBA approved 95 7(a) loans through Five Star Bank in FY2025, worth $12.6M, and 318 over FY2021 to FY2025. That ranks 120th of 2,184 active 7(a) lenders by number of approvals.
How large are Five Star Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $32K and the average $100K. The program-wide median was $190K.
What is Five Star Bank's charge-off rate?
Of 1,284 disbursed loans approved in FY2010 to FY2021, SBA records 50 as charged off (3.9%), 1,130 as paid in full and 104 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Five Star Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (25); residential building construction (24); automotive repair and maintenance (18); building equipment contractors (17).
Where does Five Star Bank make SBA loans?
In 2 states and territories. New York 316, Pennsylvania 2. In New York it accounts for 1.6% of all 7(a) approvals.
Is Five Star Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 248, against 107 in the three before: rising (+132%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error