NORTHSTAR BANK

BAD AXE, MI | Large | Est. Feb. 1, 2001, midnight | FDIC #57097 | RSSD #2958972 | FED
Latest Report: 2025-12-31

NORTHSTAR BANK is aln large FDIC-insured commercial bank headquartered in BAD AXE, MI, established in Feb. 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $944M. Profitability stands at 1.52% ROA and 17.88% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 7.70%. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 14.48%. FDIC Certificate #57097.

Assets

$1.1B

Deposits

$944M

Loans

$965M

Equity

$95M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 17.88%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.97%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 0.23%
Texas Ratio 14.48%
NPA Ratio 1.36%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 7.70%
Tier 1 Capital 7.70%
Total Capital Ratio 8.09%
Leverage Ratio 8.73%
Loan-to-Deposit 102.27%

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