BlastPoint's Banking Scorecard
NorthStar Bank
Estherville, IA
3 branches across IA
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 167 in IA.
- Deposits +2.5% year over year ($168.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.27%.
- Efficiency ratio 49.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
NorthStar Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.58% below tier average
- + Delinquency Rate 0.92% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.4M
+3.6% YoY
-5.1% QoQ
|
-$183.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$134.0M
-3.3% YoY
-2.8% QoQ
|
-$124.3M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$168.1M
+2.5% YoY
-6.4% QoQ
|
-$158.6M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.27%
-2.0% YoY
+0.4% QoQ
|
-0.05% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.23%
-1.5% YoY
+2.3% QoQ
|
-0.76% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
49.90%
-2.2% YoY
-1.2% QoQ
|
-14.58% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.00%
-96.0% YoY
-91.2% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 12.4% in tier |
| Loan-to-Deposit Ratio ? |
79.70%
-5.7% YoY
+3.8% QoQ
|
+1.75% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
14.81%
+1.4% YoY
+9.3% QoQ
|
-7.22% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.00%
-96.2% YoY
-91.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 11.2% in tier |
| Tier 1 Capital Ratio ? |
16.72%
+16.8% YoY
+7.0% QoQ
|
+0.81% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.25%
-6.6% YoY
+72.9% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.8%
+0.2pp YoY +1.3pp QoQ |
-7.3pp | 22.1% | 17.8% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.4%
0.0pp YoY +0.1pp QoQ |
-8.2pp | 11.6% | 12.8% | 12.5% | 11% |
| CRE |
12.5%
+0.8pp YoY -0.8pp QoQ |
-27.1pp | 39.5% | 28.3% | 41.4% | 8% |
| 1-4 Family |
20.5%
+1.2pp YoY +0.4pp QoQ |
-12.2pp | 32.6% | 23.0% | 31.3% | 31% |
| Consumer |
0.9%
-0.2pp YoY 0.0pp QoQ |
-3.2pp | 4.1% | 2.9% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.7%
+2.4pp YoY +1.1pp QoQ |
-2.1pp | 18.8% | 15.4% | 19.7% | 62% |
| Leverage Ratio |
11.7%
+1.1pp YoY +0.5pp QoQ |
-0.5pp | 12.2% | 12.4% | 12.6% | 60% |
| Total Capital Ratio |
17.7%
+2.4pp YoY +1.1pp QoQ |
-2.3pp | 19.9% | 16.5% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-2 (-9.1%) YoY -2 (-9.1%) QoQ |
-39 | 58 | 64 | 482 | 11% |
| Assets per Employee ($) |
$10.2M
+13.9% YoY +4.4% QoQ |
+$2.7M | $7.5M | $8.9M | $8.8M | 86% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 7% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
424.33x
+2450.6% YoY +1066.7% QoQ |
+400.18x | 24.15x | 18.97x | 20.23x | 99% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-0.4pp YoY -0.1pp QoQ |
-4.3pp | 12.2% | 12.8% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 57% |
| Net Income ($, YTD) |
$1.3M
+0.5% YoY — QoQ |
-$1.2M | $2.6M | $4.0M | $40.4M | 36% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.