October 26, 2016 3:18 PM ET


Company Overview of Five Star Bank

Company Overview

Five Star Bank provides personal and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. Its personal banking services include checking accounts, savings, certificates of deposit, individual retirement accounts, health savings accounts, money market accounts, certificates of deposit, mortgages, personal and vehicle loans, and VISA credit cards; and commercial banking services include business checking accounts, business savings accounts, certificates of deposit, commercial lines of credit, agricultural loans, term and time notes, commercial mortgages, and VISA business credit cards. The company also provides business debit cards, gift c...

220 Liberty Street

P.O Box 227

Warsaw, NY 14569

United States

Founded in 1881





Key Executives for Five Star Bank

Chief Executive Officer, President, Director, Chief Executive Officer of Financial Institutions, Inc. and President of Financial Institutions, Inc.
Age: 50
Chief Financial Officer, Executive Vice President and Treasurer
Age: 63
Regional President of Western New York
Regional President and Commercial Market Executive
Regional President and Commercial Market Executive of The Rochester Region
Compensation as of Fiscal Year 2016.

Five Star Bank Key Developments

Five Star Bank Appoints Edward S. Oexle as Buffalo Regional President

Five Star Bank announced that it continues to expand and strengthen its management team with the hiring of Edward S. Oexle as Buffalo Regional President. In this role, Oexle will serve as the bank's senior executive in one of its growth markets, further accelerating momentum in serving communities across Western New York. Mr. Oexle is a highly-respected banker with more than 25 years of commercial banking experience in Buffalo, including executive and leadership roles. He also brings eight successful years of non-banking experience as partner and general manager of a privately held manufacturer and distributor based in Buffalo, providing him valuable business expertise and customer perspective of banking.

Five Star Bank Appoints Vito Caraccio as Senior Vice President, Director of Business Banking

Five Star Bank has hired Vito Caraccio as Senior Vice President, Director of Business Banking. In this newly-established role, Mr. Caraccio will have oversight of small business lending, fee-based lines of business-related cash management and merchant services. He will also serve on the Bank’s Executive Loan Committee. Prior to joining Five Star Bank, Mr. Caraccio served First Niagara Financial Group as Senior Vice President, Corporate Banking Team Leader in Rochester, N.Y. Previously, he was Senior Vice President, Business Development Leader and Relationship Manager for JP Morgan Chase of Western New York, and held executive roles with KeyBank and FleetBoston Financial in Rochester, N.Y., the Bank of New York in White Plains, N.Y., and Chemical Banking Corporation in New York City. Mr. Caraccio joins Five Star Bank’s recently announced growth-centered executive leadership structure, designed to further accelerate its momentum serving communities across Western New York.

Five Star Bank Announces Executive Appointments

Five Star Bank (the “Bank”), a subsidiary of Financial Institutions Inc. (the “company”) has introduced a new organizational structure designed to further accelerate its momentum serving communities across Western New York. William Kreienberg, Executive Vice President, has been named Chief Administrative Officer in addition to his existing role of General Counsel and Chief Risk Officer for Five Star Bank. Prior to joining Five Star Bank, Mr. Kreienberg was a partner with Harter Secrest & Emery LLP. Jeffrey Kenefick, Executive Vice President, has been named Chief Community, Commercial and Strategic Development Executive responsible for identifying and building strategic relationships to enhance revenue generating opportunities for the organization. Charles Guarino, Senior Vice President, has been named Chief Retail Lending Executive. Mr. Guarino, a 21-year employee of Five Star Bank, will have oversight of sales, underwriting and collection activities within the bank’s indirect lending and mortgage banking divisions. Joseph Dugan has joined the Bank as Senior Vice President, Retail Growth and Profitability Executive. Prior to joining Five Star Bank, Mr. Dugan served as Executive Vice President of Customer Value Management for Canandaigua National Bank. At Five Star Bank, he will oversee the retail branch network, marketing and the customer banking center.

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