BANKSTAR FINANCIAL

ELKTON, SD | Small | Est. March 20, 1926, midnight | FDIC #496 | RSSD #109453 | FDIC
Latest Report: 2025-12-31

BANKSTAR FINANCIAL is asn small FDIC-insured commercial bank headquartered in ELKTON, SD, established in March 20, 1926, midnight. As of 2025-12-31, the bank reported total assets of $350M and total deposits of $293M. Profitability stands at 1.58% ROA and 16.81% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 11.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.76%. FDIC Certificate #496.

Assets

$350M

Deposits

$293M

Loans

$272M

Equity

$33M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 16.81%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.74%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.76%
NPA Ratio 0.08%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 11.78%
Tier 1 Capital 11.78%
Total Capital Ratio 12.76%
Leverage Ratio 9.28%
Loan-to-Deposit 93.05%

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