FSB Bancorp
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.
- Company typePrivate
- Founded2007
- HeadquartersRochester, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
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.
FSB Bancorp firmographics
Firmographics- 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
FSB Bancorp industry classification
Industry- 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 primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where FSB Bancorp is headquartered
LocationHeadquarters
- HQ city
- Rochester
- HQ country
- United States
- HQ region
- North America
Markets served
FSB Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales
FSB Bancorp product offering
Product offeringCore 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.
Companies that use FSB Bancorp
Customer profileIdeal customer profiles2 records
FSB Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FSB Bancorp competitors and assessment
Company assessmentDirect 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
FSB Bancorp social profiles
Digital presenceFSB Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
FSB Bancorp leadership team
Management profileNumber of profiles
FSB Bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FSB Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FSB Bancorp
What does FSB Bancorp do?
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.
Is FSB Bancorp a public or private company?
FSB Bancorp is a private company. It is classified as public and is currently operating.
When was FSB Bancorp founded?
FSB Bancorp was founded in 2007. It employs 51 to 100 people.
Where is FSB Bancorp based?
FSB Bancorp is headquartered in Rochester, United States, in the North America region.
Who are FSB Bancorp's main competitors?
Direct peers on record are Lake Shore Bancorp, Riverview Bancorp, Financial Institutions Inc. (Five Star Bank), Northfield Bancorp, Evans Bancorp and Flushing Financial. Regional players are Community Bank System and Tompkins Financial. Broad incumbents are Provident Financial Services and Northwest Bank.
Does FSB Bancorp have an API?
No public API is recorded for FSB Bancorp.
What industry is FSB Bancorp in?
FSB Bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522180 and its SIC code is 6036.