Star Financial Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Star Financial Bank, based in Fort Wayne, Indiana, reported $3.2 billion in assets at June 30, 2026, up 7.0% from a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Net income for the quarter rose 18% from a year earlier, to $8.0 million. Over the same year, loans grew 3.2% and deposits grew 7.6%. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Star Financial Bank reported a CET1 capital ratio of 14.27%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.71%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 215 W. Main Street, Fort Wayne, IN 46802
- County
- Allen
- Metro Area
- Fort Wayne, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 2, 1988
- Former names
- Star Financial Bank, Anderson, Indiana (1996-1997); Star Financial Bank, Indianapolis, Indiana (1991-1996); Trustcorp Bank, Indianapolis (1988-1991)
- Offices
- 37 domestic
- Employees (FTE)
- 446
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $193K
- Average total assets
- $3.33B
- Average total loans
- $1.84B
- Average interest-bearing deposits
- $2.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1988
- FDIC Cert
- 27235
- Fed RSSD
- 547840
- SEC CIK
- 1885546 → filed by STAR FINANCIAL GROUP, INC.
- Website
- www.starfinancial.com →
- Parent Holding Company
- STAR FINANCIAL GROUP, INC. (RSSD 1141647)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Star Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Star Financial Bank, freeStar Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Star Financial Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 0.96% | 0.39% | 2.71% | 3.12% |
| Q1 2026 | 13.85% | 1.03% | 0.21% | 3.39% | 3.30% |
| Q4 2025 | 13.64% | 1.47% | 0.32% | 3.16% | 3.16% |
| Q3 2025 | 13.63% | 0.77% | 0.33% | 3.02% | 3.14% |
| Q2 2025 | 13.70% | 0.85% | 0.36% | 2.03% | 3.00% |
| Q1 2025 | 13.47% | 0.80% | 0.36% | 2.11% | 3.06% |
| Q4 2024 | 13.52% | 0.68% | 0.27% | 1.54% | 3.02% |
| Q3 2024 | 13.92% | 0.78% | 0.29% | 1.76% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 37 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Star Financial Bank (main office) | Fort Wayne , IN | 46802 | $464.1M |
| Monument Circle Branch | Indianapolis , IN | 46204 | $335.1M |
| Columbia City Branch | Columbia City , IN | 46725 | $186.2M |
| Anderson Main | Anderson , IN | 46016 | $128.3M |
| High Street Branch | Muncie , IN | 47305 | $119.0M |
| Marion Downtown Branch | Marion , IN | 46952 | $118.4M |
| Gas City Branch | Gas City , IN | 46933 | $100.2M |
| EverbrookMcgalliard Branch | Muncie , IN | 47304 | $90.0M |
| New Castle Branch | New Castle , IN | 47362 | $81.9M |
| Southdale Branch | Anderson , IN | 46013 | $81.3M |
| ElwoodStar Branch | Elwood , IN | 46036 | $79.2M |
| Greenfield Branch | Greenfield , IN | 46140 | $65.8M |
| 146th at the Crossing Branch | Noblesville , IN | 46060 | $61.9M |
| Cross Street Branch | Anderson , IN | 46012 | $61.0M |
| Tipton Branch | Tipton , IN | 46072 | $60.4M |
| Pendleton Branch | Pendleton , IN | 46064 | $56.1M |
| Scott Road Banking Center Branch | Fort Wayne , IN | 46804 | $55.3M |
| Frontage Road Branch | Columbia City , IN | 46725 | $53.0M |
| Angola Branch | Angola , IN | 46703 | $52.0M |
| Waynedale Branch | Fort Wayne , IN | 46809 | $48.1M |
| Lima Road Branch | Fort Wayne , IN | 46818 | $45.9M |
| North Baldwin Branch | Marion , IN | 46952 | $42.2M |
| Coventry Branch | Fort Wayne , IN | 46804 | $40.2M |
| Churubusco Branch | Churubusco , IN | 46723 | $40.2M |
| St. Joe Center Road Branch | Fort Wayne , IN | 46835 | $38.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2010 | M&A | Acquired Star Wealth Management merger for the acquired bank | SEC |
| January 1, 2010 | Structure Change | Acquired Star Wealth Management Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 1997 | M&A | Acquired Star Financial Bank, New Castle, Indiana merger for the acquired bank | SEC |
| November 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Structure Change | Acquired Star Financial Bank, New Castle, Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1991 | M&A | merger | SEC |
| February 1, 1991 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Star Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in IN, rank 20 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,578 applications, 897 loans originated, $162.1M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 32 loans, $7.7M approved, $241K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2015-Q1 to 2023-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Star Financial Bank
What are Star Financial Bank's total assets?
As of the Q2 2026 filing, Star Financial Bank reported total assets of $3.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Star Financial Bank headquartered?
Star Financial Bank is headquartered in Fort Wayne, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Star Financial Bank founded?
Star Financial Bank was established in 1988, per the FDIC institution directory.
Is Star Financial Bank FDIC-insured?
Yes. Star Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #27235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Star Financial Bank?
Star Financial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Star Financial Bank's CET1 capital ratio?
Star Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Star Financial Bank operate?
Star Financial Bank operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Star Financial Bank's Texas Ratio?
Star Financial Bank's Texas Ratio is 2.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Star Financial Bank previously called?
The charter now named Star Financial Bank has also operated as Star Financial Bank, Anderson, Indiana (1996-1997), Star Financial Bank, Indianapolis, Indiana (1991-1996), Trustcorp Bank, Indianapolis (1988-1991), per FDIC structure-change records.
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