STAR BANK

MAPLE LAKE, MN | Small | Est. Aug. 15, 1904, midnight | FDIC #5095 | RSSD #715050 | FDIC
Latest Report: 2025-12-31

STAR BANK is asn small FDIC-insured commercial bank headquartered in MAPLE LAKE, MN, established in Aug. 15, 1904, midnight. As of 2025-12-31, the bank reported total assets of $465M and total deposits of $404M. Profitability stands at 0.94% ROA and 9.92% ROE, with a net interest margin of 5.14%. The bank's CET1 capital ratio is 10.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.11% and a Texas Ratio of 26.48%. FDIC Certificate #5095.

Assets

$465M

Deposits

$404M

Loans

$370M

Equity

$44M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 9.92%
Net Interest Margin (NIM) 5.14%
Yield on Assets 6.83%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 3.11%
Net Charge-Off Ratio 1.29%
Texas Ratio 26.48%
NPA Ratio 2.74%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 10.23%
Tier 1 Capital 10.23%
Total Capital Ratio 11.25%
Leverage Ratio 9.04%
Loan-to-Deposit 91.69%

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