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North Star Bank

$100M-$1B Specialty: Commercial MN FDIC cert 16733

Roseville, MN

2 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -3.0% year over year ($340.8M on the books).
  • Delinquency rate 0.95%.
  • Return on assets 1.35%.
  • Efficiency ratio 62.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

North Star Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.09% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.0% in tier
  • - Deposit Outflow: Bottom 22.6% in tier
  • - Flatlined Growth: Bottom 38.4% in tier
  • - Net Interest Margin 0.28% below tier average
Get updates when North Star Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $378.7M
-1.6% YoY -3.8% QoQ
-$7.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $243.0M
-5.7% YoY -0.9% QoQ
-$15.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $340.8M
-3.0% YoY -4.3% QoQ
+$14.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.35%
+29.3% YoY -11.1% QoQ
+0.03% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.71%
+6.5% YoY +2.0% QoQ
-0.28% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 62.39%
+8.5% YoY +5.1% QoQ
-2.09% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.95%
-32.4% QoQ
+0.03% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 71.31%
-2.8% YoY +3.6% QoQ
-6.64% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 13.79%
-9.3% YoY -4.5% QoQ
-8.24% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.61%
-30.3% QoQ
-0.06% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 11.00%
+7.1% YoY +4.5% QoQ
-4.91% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.13%
-74.4% YoY +118.4% QoQ
-0.43% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 13.8%
-1.4pp YoY
-0.7pp QoQ
 -8.4pp 22.1% 21.9% 22.2% 20%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 21.1%
-2.0pp YoY
+0.7pp QoQ
 +9.6pp 11.6% 14.6% 12.5% 90%
CRE 68.3%
+1.8pp YoY
-0.1pp QoQ
 +28.7pp 39.5% 36.5% 41.4% 92%
1-4 Family 11.2%
-0.2pp YoY
+0.4pp QoQ
 -21.4pp 32.6% 29.4% 31.3% 13%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 4.5% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 11.0%
+0.7pp YoY
+0.5pp QoQ
 -1.2pp 12.2% 11.0% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 51
-5 (-8.9%) YoY
-1 (-1.9%) QoQ
 -8 58 55 482 54%
Assets per Employee ($) $7.4M
+8.0% YoY
-1.9% QoQ
 -$92K $7.5M $8.6M $8.8M 60%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
+0.7pp QoQ
 0.0pp 0.9% 1.0% 1.0% 70%
Allowance Coverage 1.20x
+6.9% QoQ
 -22.95x 24.15x 20.41x 20.23x 32%
Net Charge-off Rate (YTD) 0.9%
+0.8pp YoY
+0.9pp QoQ
 +0.7pp 0.1% 0.2% 0.2% 97%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 15.0%
+1.5pp YoY
-2.4pp QoQ
 +2.8pp 12.2% 13.1% 11.6% 67%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 48%
Net Income ($, YTD) $2.7M
+33.6% YoY
— QoQ
 +$108K $2.6M $4.5M $40.4M 64%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#120 of 661 • Bottom 18.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.00%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#122 of 535 • Bottom 22.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#204 of 529 • Bottom 38.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2114
Non-Interest-Bearing Deposit Share
funding
Value: 13.79%
Peer Median: 22.03%
#2114 of 2643 Bottom 20.1% in $100M-$1B
2028
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2028 of 2643 Bottom 23.3% in $100M-$1B
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