NORTHSTAR BANK

ESTHERVILLE, IA | Small | Est. April 1, 1997, midnight | FDIC #34407 | RSSD #2562137 | FDIC
Latest Report: 2025-12-31

NORTHSTAR BANK is asn small FDIC-insured commercial bank headquartered in ESTHERVILLE, IA, established in April 1, 1997, midnight. As of 2025-12-31, the bank reported total assets of $205M and total deposits of $171M. Profitability stands at 1.30% ROA and 8.16% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 15.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #34407.

Assets

$205M

Deposits

$171M

Loans

$138M

Equity

$33M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 8.16%
Net Interest Margin (NIM) 3.20%
Yield on Assets 5.06%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 15.42%
Tier 1 Capital 15.42%
Total Capital Ratio 16.35%
Leverage Ratio 11.03%
Loan-to-Deposit 80.69%

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