BlastPoint's Banking Scorecard

STAR Financial Bank

$1B-$10B Specialty: Commercial IN FDIC cert 27235

Designations: ✓ Community bank

Fort Wayne, IN

37 branches across IN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +7.6% year over year ($2.8B on the books).
Delinquency rate 0.46%.
Return on assets 1.01%.
Efficiency ratio 67.69% vs a 59.73% peer average.
Loan-to-deposit ratio 64.18% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

STAR Financial Bank has 2 strengths 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

+ Loan-to-Deposit Ratio 20.85% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.9% in tier
- ROA 0.38% below tier average
- Net Interest Margin 0.58% below tier average
- Efficiency Ratio 7.97% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$3.2B +7.0% YoY +1.3% QoQ	+$437.4M	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$1.8B +3.2% YoY -0.6% QoQ	-$137.1M	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$2.8B +7.6% YoY +1.2% QoQ	+$526.3M	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	1.01% +17.3% YoY -2.1% QoQ	-0.38%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.29% +2.4% YoY -1.8% QoQ	-0.58%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	67.69% -4.6% YoY +1.0% QoQ	+7.97%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.46% +48.0% YoY -17.3% QoQ	-0.41%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	64.18% -4.1% YoY -1.8% QoQ	-20.85%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	Top 9.6% in tier
Non-Interest-Bearing Deposit Share ?	28.15% -4.4% YoY -2.5% QoQ	+6.88%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.27% +41.0% YoY -18.5% QoQ	-0.41%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	14.27% +4.1% YoY +3.0% QoQ	-0.58%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.40% -3.1% YoY +104.1% QoQ	-0.13%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	70%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	28.2% -1.3pp YoY -0.7pp QoQ	+6.8pp	21.4%	16.8%	22.2%	80%
Brokered Deposits	n/a	n/a	9.5%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	22.6% -2.6pp YoY +0.1pp QoQ	+8.6pp	14.0%	11.1%	12.5%	85%
CRE	44.7% +2.9pp YoY -0.3pp QoQ	-5.3pp	50.0%	36.2%	41.4%	35%
1-4 Family	25.6% +0.7pp YoY +0.1pp QoQ	-0.9pp	26.4%	40.0%	31.3%	56%
Consumer	1.9% 0.0pp YoY -0.1pp QoQ	-2.8pp	4.7%	3.2%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	14.3% +0.6pp YoY +0.4pp QoQ	-1.3pp	15.6%	17.5%	19.7%	62%
Leverage Ratio	10.3% +0.1pp YoY -0.2pp QoQ	-1.0pp	11.3%	13.0%	12.6%	45%
Total Capital Ratio	15.2% +0.6pp YoY +0.4pp QoQ	-1.5pp	16.7%	18.7%	20.8%	59%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	446 -4 (-0.9%) YoY -1 (-0.2%) QoQ	+132	313	237	482	81%
Assets per Employee ($)	$7.2M +8.0% YoY +1.5% QoQ	-$3.2M	$10.5M	$7.5M	$8.8M	26%
Branch Count	37 0 YoY 0 QoQ	+17	20	17	18	88%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.3pp QoQ	-0.1pp	0.2%	0.2%	0.4%	74%
Nonaccrual	0.4% +0.1pp YoY +0.2pp QoQ	-0.4pp	0.8%	0.8%	1.0%	38%
Allowance Coverage	2.47x -30.6% YoY +22.1% QoQ	-16.24x	18.71x	6.71x	20.23x	57%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	11.2% +1.0pp YoY -0.3pp QoQ	-1.4pp	12.6%	11.2%	11.6%	42%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.8%	1.7%	36%
Net Income ($, YTD)	$16.3M +26.5% YoY — QoQ	-$2.9M	$19.2M	$16.3M	$40.4M	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Risk Growth

risk

#53 of 402 • Bottom 12.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 64.18%

Peer Median: 85.04%

#86 of 885 Top 9.6% in $1B-$10B

176

Non-Interest-Bearing Deposit Share

funding

Value: 28.15%

Peer Median: 21.27%

#176 of 885 Top 19.8% in $1B-$10B

221

Total Deposits

size

Value: $2.85B

Peer Median: $2.32B

#221 of 885 Top 24.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available