[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-269929-105":59,"doc-detail-269929-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","five-star-bank-cra-public-evaluation-april-30-2007","Five Star Bank - CRA Public Evaluation - April 30, 2007","","CRA Public Evaluation dated April 30, 2007 for Five Star Bank assesses the institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods. The evaluation states the bank is rated Outstanding, with lending, investment, and service tests all marked as Outstanding. It provides supporting factors covering HMDA and small-business lending volume, income- and size-based distribution, geographic lending performance, and leadership in community development lending and qualified investments.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/five-star-bank-cra-public-evaluation-april-30-2007/269929/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/five-star-bank-cra-public-evaluation-april-30-2007/269929.png","ImageObject",300,407,{"name":92,"@type":93},"Lute","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-01","2026-09-15",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What rating did Five Star Bank receive in this CRA public evaluation?","Question",{"text":112,"@type":113},"The evaluation rates Five Star Bank as Outstanding, with the lending, investment, and service tests each marked as Outstanding.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does the evaluation describe the purpose of the CRA rating?",{"text":117,"@type":113},"It explains that the evaluation assesses how well the institution meets the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation.",{"name":119,"@type":110,"acceptedAnswer":120},"What major factors support the bank’s Outstanding CRA rating?",{"text":121,"@type":113},"Supporting factors include excellent HMDA and small-business lending responsiveness, strong distribution of loans by borrower income and business size, good geographic lending distribution, leadership in community development lending and qualified investments, and accessible retail delivery systems across income levels and geographies.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},269929,1790226088,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},137454149569,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","PUBLIC DISCLOSURE  \nApril 30, 2007  \nCOMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION  \nFive Star Bank  \nRSSD No. 601416  \n55 North Main Street  \nWarsaw, New York 14203  \nFederal Reserve Bank of New York  \n33 Liberty Street  \nNew York, New York 10045  \nNOTE: This document is an evaluation of this institution's record of meeting the credit  \nneeds of its entire community, including low-and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution.  \nFive Star Bank CRA Public Evaluation  \nWarsaw, New York April 30, 2007  \nTABLE OF CONTENTS  \nInstitution Rating  \nInstitution’s CRA Rating...................................................................................................BB 1  \nTable of Performance Test Ratings ...................................................................................BB 1  \nSummary of Major Factors Supporting Rating .................................................................BB 1  \nInstitution  \nDescription of Institution...................................................................................................BB2  \nScope of Examination .......................................................................................................BB3  \nConclusions With Respect to Performance Tests..............................................................BB6  \nNon Metropolitan Assessment Area (Full Review) Description of Operations in the Non Metropolitan Assessment Area .......................BB 10  \nConclusions With Respect to Performance Tests........................................................BB 13  \nMSA 40380 (Full Review)  \nDescription of Operations in MSA 40380 (Rochester, New York) ............................BB 18  \nConclusions With Respect to Performance Tests........................................................BB21  \nLimited Scope Assessment Areas………………………………………………………………..BB26  \nExhibits  \nExhibit 1: Summary of Key Assessment Area Data..........................................................BB5  \nExhibit 2 : Lending Inside and Outside the Assessment Area ...........................................BB6  \nExhibit 3: Assessment Area Demographics Non MSA Assessment Area ........................BB 12  \nExhibit 4: Assessment Area Demographics MSA 40380…………………………..........BB20  \nAppendices  \nCRA Appendix A: Scope of Examination ........................................................................BB27  \nCRA Appendix B: Glossary……………………………………………………………...BB28  \nCRA Appendix C: CRA Core Tables ...............................................................................BB31  \nCRA Appendix D: Assessment Area Maps ......................................................................BB38  \n\n| Five Star Bank\u003Cbr>Warsaw, New York | CRA Public Evaluation April 30, 2007 |\n| --- | --- |\n\nINSTITUTION RATING  \nINSTITUTION'S CRA RATING: Five Star Bank is rated Outstanding.  \nThe following table indicates the performance level of the institution with respect to the lending, investment and service tests.  \n\n| PERFORMANCE LEVELS | PERFORMANCE TESTS |  |  |\n| --- | --- | --- | --- |\n|  | Lending Test* | Investment Test | Service Test |\n| Outstanding | X | X | X |\n| High Satisfactory |  |  |  |\n| Low Satisfactory |  |  |  |\n| Needs to Improve |  |  |  |\n| Substantial Noncompliance |  |  |  |\n\n* The lending test is weighted more heavily than the investment and service tests in determining the overall rating.  \nThe major factors supporting the institution’s rating follow:  \n􀁸 The volume of lending related to the Home Mortgage Disclosure Act (“HMDA”) and small businesses reflected excellent responsiveness to credit needs in the bank’s assess","cbCaic3g1FW8UpqG","https://ap.wps.com/l/cbCaic3g1FW8UpqG","pdf",1588760,43,"English","# Institution’s CRA Rating\n## Table of Performance Test Ratings\n## Summary of Major Factors Supporting Rating\n# Description of Institution\n## Scope of Examination\n## Conclusions With Respect to Performance Tests\n# Assessment Areas\n## Non Metropolitan Assessment Area (Full Review)\n## MSA 40380 (Full Review)\n## Limited Scope Assessment Areas\n# Exhibits\n## Exhibit 1: Summary of Key Assessment Area Data\n## Exhibit 2: Lending Inside and Outside the Assessment Area\n## Exhibit 3: Assessment Area Demographics Non MSA Assessment Area\n## Exhibit 4: Assessment Area Demographics MSA 40380\n# Appendices\n## CRA Appendix A: Scope of Examination\n## CRA Appendix B: Glossary\n## CRA Appendix C: CRA Core Tables\n## CRA Appendix D: Assessment Area Maps","[{\"question\":\"What rating did Five Star Bank receive in this CRA public evaluation?\",\"answer\":\"The evaluation rates Five Star Bank as Outstanding, with the lending, investment, and service tests each marked as Outstanding.\"},{\"question\":\"How does the evaluation describe the purpose of the CRA rating?\",\"answer\":\"It explains that the evaluation assesses how well the institution meets the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation.\"},{\"question\":\"What major factors support the bank’s Outstanding CRA rating?\",\"answer\":\"Supporting factors include excellent HMDA and small-business lending responsiveness, strong distribution of loans by borrower income and business size, good geographic lending distribution, leadership in community development lending and qualified investments, and accessible retail delivery systems across income levels and geographies.\"}]","Five Star Bank - CRA Public Evaluation - April 30, 2007 | PDF",1789454295,108]