BlastPoint's Banking Scorecard
Star Bank
Maple Lake, MN
11 branches across MN
Star Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Efficiency Ratio 3.78% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 14.3% in tier
- - Return on Assets 1.48% below tier average
- - Delinquency Rate 1.57% above tier average
- - Nonperforming Asset Ratio 1.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$456.7M
-0.4% YoY
-1.8% QoQ
|
+$70.6M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$351.7M
-3.6% YoY
-3.9% QoQ
|
+$96.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$396.7M
-0.2% YoY
-1.7% QoQ
|
+$68.7M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
-0.21%
-117.3% YoY
-127.0% QoQ
|
-1.48% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.5% in tier |
| Net Interest Margin ? |
5.03%
+13.0% YoY
+6.9% QoQ
|
+1.10% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 6.7% in tier |
| Efficiency Ratio ? |
61.50%
-5.6% YoY
+0.7% QoQ
|
-3.78% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
2.46%
+3.4% YoY
-24.6% QoQ
|
+1.57% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.5% in tier |
| Loan-to-Deposit Ratio ? |
88.67%
-3.4% YoY
-2.2% QoQ
|
+12.03% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
23.99%
+5.1% YoY
+1.5% QoQ
|
+1.97% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
2.11%
+8.6% YoY
-25.2% QoQ
|
+1.48% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.0% in tier |
| Tier 1 Capital Ratio ? |
10.50%
+1.6% YoY
+2.6% QoQ
|
-5.33% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.04%
-55.1% YoY
-88.8% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.5% in tier |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.