Bank Safety Analysis
Bank Star: final safety record
BankRegReports is independent of Bank Star and never asks for online banking logins or passwords.
Return on assets dropped 0.61 percentage points in Q2 2026, from 0.85% to 0.24%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Bank Star sits 5.17 points lower, at 9.91% (Q2 2026). From Q3 2023 to Q2 2026, Bank Star's CET1 ratio ranged between 9.91% (Q2 2026) and 12.17% (Q4 2025) and its Texas ratio ranged between 0.01% (Q1 2024) and 5.25% (Q2 2026). Between Q2 2025 and Q2 2026, Bank Star's CET1 ratio fell from 11.53% to 9.91%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.08% to 0.61%, Texas ratio rose from 1.47% to 5.25% and return on assets fell from 1.02% to 0.24%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 9.91% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 7.26% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.61% are within industry-normal range.
Texas Ratio of 5.2% is well below the 100% historical failure threshold.
Efficiency ratio of 385.7% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 9.91% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.25% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.61% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 80.85% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 258.47% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 9.91% |
| Q1 2026 | 12.14% |
| Q4 2025 | 12.17% |
| Q3 2025 | 11.62% |
| Q2 2025 | 11.53% |
| Q1 2025 | 10.85% |
| Q4 2024 | 11.07% |
| Q3 2024 | 10.55% |
| Q2 2024 | 10.29% |
| Q1 2024 | 10.59% |
| Q4 2023 | 10.62% |
| Q3 2023 | 12.04% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.25% |
| Q1 2026 | 0.93% |
| Q4 2025 | 3.69% |
| Q3 2025 | 0.69% |
| Q2 2025 | 1.47% |
| Q1 2025 | 0.87% |
| Q4 2024 | 2.34% |
| Q3 2024 | 0.31% |
| Q2 2024 | 0.33% |
| Q1 2024 | 0.01% |
| Q4 2023 | 0.03% |
| Q3 2023 | 2.08% |
Bank Star by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 9.91% | 0.61% | 5.25% | 0.24% |
| Mar 31, 2026 | 12.14% | 0.11% | 0.93% | 0.85% |
| Dec 31, 2025 | 12.17% | 0.43% | 3.69% | 1.37% |
| Sep 30, 2025 | 11.62% | 0.08% | 0.69% | 1.18% |
| Jun 30, 2025 | 11.53% | 0.08% | 1.47% | 1.02% |
| Mar 31, 2025 | 10.85% | 0.09% | 0.87% | 0.63% |
| Dec 31, 2024 | 11.07% | 0.24% | 2.34% | 1.07% |
| Sep 30, 2024 | 10.55% | 0.03% | 0.31% | 0.88% |
| Jun 30, 2024 | 10.29% | 0.03% | 0.33% | 0.80% |
| Mar 31, 2024 | 10.59% | 0.00% | 0.01% | 0.62% |
| Dec 31, 2023 | 10.62% | 0.00% | 0.03% | 0.39% |
| Sep 30, 2023 | 12.04% | 0.00% | 2.08% | 0.63% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 21897) · FFIEC NIC profile (RSSD 1006559)
Explore: Full Bank Star profile · Other banks in MO · Metric glossary · How the call report works