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Star Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 5095

Maple Lake, MN

11 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 -0.4% year over year ($384.6M on the books).
  • Delinquency rate 2.09%.
  • Return on assets 0.52%.
  • Efficiency ratio 61.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.88% 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) →

Star Bank has 2 strengths but faces 6 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

  • + Net Interest Margin 1.06% above tier average
  • + Efficiency Ratio 2.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.6% in tier
  • - Flatlined Growth: Bottom 10.4% in tier
  • - Capital Thin: Bottom 23.0% in tier
  • - Nonperforming Asset Ratio 1.14% above tier average
  • - ROA 0.80% below tier average
  • - Delinquency Rate 1.17% above tier average
Get updates when 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 ? $445.8M
+0.1% YoY -2.4% QoQ
+$59.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $353.4M
-4.5% YoY +0.5% QoQ
+$95.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $384.6M
-0.4% YoY -3.0% QoQ
+$57.9M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.52%
+64.7% YoY +349.6% QoQ
-0.80% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Bottom 12.8% in tier
Net Interest Margin ? 5.05%
+10.8% YoY +0.3% QoQ
+1.06% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 7.3% in tier
Efficiency Ratio ? 61.94%
-0.6% YoY +0.7% QoQ
-2.54% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 2.09%
-39.6% YoY -15.0% QoQ
+1.17% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 12.0% in tier
Loan-to-Deposit Ratio ? 91.88%
-4.1% YoY +3.6% QoQ
+13.93% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 23.63%
+8.3% YoY -1.5% QoQ
+1.60% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 1.80%
-39.3% YoY -14.7% QoQ
+1.14% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 9.0% in tier
Tier 1 Capital Ratio ? 10.73%
+10.9% YoY +2.2% QoQ
-5.18% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.11%
-38.9% YoY +177.8% QoQ
-0.45% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
23%

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 23.6%
+1.8pp YoY
-0.4pp QoQ
 +1.5pp 22.1% 21.9% 22.2% 61%
Brokered Deposits 12.4%
-3.6pp YoY
-1.4pp QoQ
 +4.5pp 7.9% 8.3% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 16.3%
-0.3pp YoY
-0.1pp QoQ
 +4.7pp 11.6% 14.6% 12.5% 80%
CRE 32.6%
-0.8pp YoY
-0.5pp QoQ
 -6.9pp 39.5% 36.5% 41.4% 39%
1-4 Family 17.5%
+1.2pp YoY
+0.1pp QoQ
 -15.1pp 32.6% 29.4% 31.3% 24%
Consumer 1.8%
-0.7pp YoY
-0.3pp QoQ
 -2.3pp 4.1% 4.5% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 10.7%
+1.1pp YoY
+0.2pp QoQ
 -8.1pp 18.8% 16.5% 19.7% 6%
Leverage Ratio 9.3%
+0.4pp YoY
+0.3pp QoQ
 -2.9pp 12.2% 11.0% 12.6% 17%
Total Capital Ratio 11.7%
+1.0pp YoY
+0.3pp QoQ
 -8.2pp 19.9% 17.6% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 80
-3 (-3.6%) YoY
+2 (+2.6%) QoQ
 +21 58 55 482 77%
Assets per Employee ($) $5.6M
+3.9% YoY
-4.8% QoQ
 -$1.9M $7.5M $8.6M $8.8M 24%
Branch Count 11
0 YoY
0 QoQ
 +6 4 4 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
+0.2pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 59%
Nonaccrual 1.9%
-1.3pp YoY
-0.5pp QoQ
 +1.0pp 0.9% 1.0% 1.0% 86%
Allowance Coverage 0.52x
+61.4% YoY
+20.1% QoQ
 -23.63x 24.15x 20.41x 20.23x 11%
Net Charge-off Rate (YTD) 1.8%
+0.2pp YoY
-1.1pp QoQ
 +1.6pp 0.1% 0.2% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 5.4%
+2.0pp YoY
+7.6pp QoQ
 -6.8pp 12.2% 13.1% 11.6% 15%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 38%
Net Income ($, YTD) $1.2M
+64.8% YoY
— QoQ
 -$1.4M $2.6M $4.5M $40.4M 33%

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)

Liquidity Strain

risk
#19 of 691 • Bottom 2.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.88%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#56 of 529 • Bottom 10.4% 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: 0.52%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Thin

risk
#153 of 661 • Bottom 23.0% 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: 10.73%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 (1 metrics)

194
Net Interest Margin
profitability
Value: 5.05%
Peer Median: 3.99%
#194 of 2643 Top 7.3% in $100M-$1B

Top Weaknesses (6 metrics)

2405
Nonperforming Asset Ratio
credit_quality
Value: 1.80%
Peer Median: 0.67%
#2405 of 2643 Bottom 9.0% in $100M-$1B
2318
Delinquency Rate
credit_quality
Value: 2.09%
Peer Median: 0.92%
#2318 of 2633 Bottom 12.0% in $100M-$1B
2305
Return on Assets
profitability
Value: 0.52%
Peer Median: 1.32%
#2305 of 2643 Bottom 12.8% in $100M-$1B
2126
Tier 1 Capital Ratio
capital
Value: 10.73%
Peer Median: 15.91%
#2126 of 2643 Bottom 19.6% in $100M-$1B
2050
Loan-to-Deposit Ratio
liquidity
Value: 91.88%
Peer Median: 77.95%
#2050 of 2643 Bottom 22.5% in $100M-$1B
2032
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2032 of 2643 Bottom 23.2% in $100M-$1B
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