It was founded in the 1850s in Warsaw, New York as Wyoming County Bank by Wolcott J. Humphrey.

Five Star Bank is the reformation of Wyoming County Bank under Financial Institutions, Inc, along with The National Bank of Geneva, First Tier Bank & Trust, Bath National Bank, and Pavilion State Bank.

Five Star Bank bought 4 HSBC branches (formerly part of Marine Midland Bank) and four First Niagara Branches in 2012.

In 2016, Five Star Bank moved its regional headquarters to Five Star Bank Plaza in Rochester, New York, formerly one HSBC plaza.

This United States bank–related article is a stub.