BlastPoint's Banking Scorecard
BankStar Financial
Elkton, SD
3 branches across SD
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 24 in SD.
- Deposits +12.9% year over year ($302.1M on the books).
- Delinquency rate 0.14%.
- Return on assets 1.53%.
- Efficiency ratio 55.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.24% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BankStar Financial shows strong momentum with 3 strengths and 10.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Efficiency Ratio 9.12% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$363.5M
+10.8% YoY
+1.6% QoQ
|
-$23.1M |
$386.6M
+1.2% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$281.7M
+11.6% YoY
+1.8% QoQ
|
+$23.4M |
$258.3M
+1.7% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$302.1M
+12.9% YoY
-0.3% QoQ
|
-$24.6M |
$326.7M
+0.7% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.53%
+22.7% YoY
+22.0% QoQ
|
+0.20% |
1.32%
+10.8% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.99%
+11.6% YoY
+5.2% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
55.36%
-8.3% YoY
-9.0% QoQ
|
-9.12% |
64.48%
-3.2% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.14%
-36.8% YoY
+341.1% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
93.24%
-1.1% YoY
+2.0% QoQ
|
+15.29% |
77.95%
+1.0% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
17.03%
+1.9% YoY
-2.3% QoQ
|
-5.00% |
22.03%
-0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.11%
-36.3% YoY
+341.9% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.02%
+2.2% YoY
+2.2% QoQ
|
-3.89% |
15.91%
+1.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.12%
-12.0% YoY
+117.3% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
24% |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.0%
+0.3pp YoY -0.4pp QoQ |
-5.1pp | 22.1% | 23.5% | 22.2% | 32% |
| Brokered Deposits |
2.0%
+0.5pp YoY 0.0pp QoQ |
-5.9pp | 7.9% | 8.7% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.6%
+1.9pp YoY +0.4pp QoQ |
+6.0pp | 11.6% | 14.1% | 12.5% | 83% |
| CRE |
40.4%
+0.4pp YoY +0.1pp QoQ |
+0.9pp | 39.5% | 31.5% | 41.4% | 54% |
| 1-4 Family |
21.2%
-0.3pp YoY +0.9pp QoQ |
-11.4pp | 32.6% | 14.9% | 31.3% | 33% |
| Consumer |
1.1%
-0.2pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 8.5% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
+0.3pp YoY +0.3pp QoQ |
-6.8pp | 18.8% | 17.6% | 19.7% | 17% |
| Leverage Ratio |
9.4%
+0.4pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 11.9% | 12.6% | 20% |
| Total Capital Ratio |
13.1%
+0.3pp YoY +0.3pp QoQ |
-6.9pp | 19.9% | 18.8% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+2 (+5.0%) YoY 0 QoQ |
-17 | 58 | 6,279 | 482 | 44% |
| Assets per Employee ($) |
$8.7M
+5.5% YoY +1.6% QoQ |
+$1.1M | $7.5M | $8.1M | $8.8M | 76% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 92 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 23% |
| Allowance Coverage |
7.79x
+57.5% YoY -76.5% QoQ |
-16.37x | 24.15x | 96.54x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.7% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
+1.9pp YoY +2.8pp QoQ |
+3.9pp | 12.2% | 12.4% | 11.6% | 74% |
| Cost of Funds (YTD) |
2.4%
-0.4pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.7% | 1.7% | 87% |
| Net Income ($, YTD) |
$2.7M
+32.8% YoY — QoQ |
+$169K | $2.6M | $418.8M | $40.4M | 66% |
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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.