FSB Bancorp

What FSB Bancorp does

FSB Bancorp is a publicly-traded bank holding company founded in 2007 that operates Fairport Savings Bank, a community savings bank headquartered in Rochester, New York. The company provides personal and business banking services, complemented by wealth management and mortgage offerings. It trades on the OTC Pink market under the symbol FSBB, indicating a small-cap, thinly-traded public listing rather than a major exchange listing.

The institution serves retail consumers and small businesses in the Rochester/Fairport, NY market through a single charter, with a workforce of 51-100 employees. Revenue is generated through traditional community banking mechanics: net interest income from deposits and loans (including mortgages), fee income from banking services, and wealth management commissions. As a local savings bank, its competitive positioning rests on community relationships and localized service rather than scale, technology differentiation, or product breadth.

The company's strategic posture based on available data is one of a stable, small-scale community banking franchise. No M&A activity, recent leadership changes, regulatory actions, product launches, technology investments, or geographic expansions are documented in the source materials. The thin data profile itself is a notable characteristic: the public materials reviewed provide only basic firmographic information, with no financial disclosures, strategic announcements, or operational metrics available for analysis.

Name

FSB Bancorp

Website

https://fairportsavingsbank.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

FSB Bancorp is a publicly-traded bank holding company (OTC Pink: FSBB) operating Fairport Savings Bank, a community savings bank in Rochester, NY. It provides personal and business banking, wealth management, and mortgage services to local consumers and small businesses through a single-institution franchise.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAEAD

Mutual Savings Banks & Mutual Thrifts

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Community banking services
• Personal banking products
• Business banking solutions
• Mortgage lending
• Wealth management

Headquarters

HQ city

Rochester

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Core offering

FSB Bancorp, through its subsidiary Fairport Savings Bank, offers personal and business banking services including deposit accounts, commercial and consumer lending, mortgage origination, and wealth management. The bank serves individuals and small-to-mid-sized businesses in the Rochester, New York community market.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal banking services Deposit accounts, consumer banking services, and personal financial products for individuals in the Rochester, New York community.
• Business banking services Deposit accounts, business lending, and commercial banking products for small-to-mid-sized businesses in the Rochester, NY area.
• Mortgage lending Residential mortgage origination and lending services for consumers seeking home financing or refinancing in the Rochester, NY market.
• Wealth management services Investment advisory and wealth management products for individuals seeking to grow and preserve personal assets.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• Lake Shore Bancorp: A small Maryland-headquartered savings bank holding company with consumer and business banking products — closely comparable business model as a thrift-style community savings bank.
• Riverview Bancorp: A small Oregon-based savings bank holding company offering community banking and mortgage products — a closely analogous small-cap community thrift business model.
• Financial Institutions Inc. (Five Star Bank): A New York community bank holding company operating Five Star Bank with retail, business, and mortgage banking lines across upstate New York — directly comparable by geography and product set.
• Northfield Bancorp: A New York-area savings bank holding company offering commercial and consumer banking services with a similar multi-product community banking model.
• Evans Bancorp: A small community bank holding company headquartered in the Rochester/Buffalo, NY region with comparable community-focused deposit and lending products. Most directly comparable peer by geography and scale.
• Flushing Financial: A New York-area community bank holding company with diversified retail, commercial, and mortgage banking — comparable multi-product community bank model with similar customer base characteristics.

Regional players

• Community Bank System: A larger upstate New York-headquartered community bank holding company with retail banking, wealth management, and consumer services — comparable in geography and product breadth but larger in scale.
• Tompkins Financial: A regional bank holding company headquartered in Ithaca, NY, offering community banking, wealth management, and insurance across upstate New York — overlapping footprint and product mix.

Broad incumbents

• Provident Financial Services: A New Jersey-headquartered community bank holding company offering retail, business, and wealth management — comparable product mix and community banking model at a larger scale.
• Northwest Bank: A Pennsylvania-headquartered regional bank with a strong savings-bank heritage offering retail, business, and mortgage banking — broader geographic and product reach but similar depository model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/fairport-savings-bank

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FSB Bancorp