Bankstar Financial: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 19.76 percentage points lower than in Q1 2026, at 163.73%. Bankstar Financial ranks 21st of 56 South Dakota banks on return on assets, in the upper half at 1.77% (Q2 2026). Bankstar Financial reported 1.77% on return on assets for Q2 2026, 0.51 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.42% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.15% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 163.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.77% |
| Return on equity | 18.95% |
| Net interest margin | 4.10% |
| Efficiency ratio | 50.24% |
| Yield on earning assets | 6.46% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.23% |
| Core deposits to total deposits | 82.73% |
| Brokered deposits to total deposits | 1.99% |
| Deposits to assets | 83.13% |
| Securities to assets | 9.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.07% | 10.07% | 11.11% | 8.06% | 0.60% |
| Q4 2023 | 9.86% | 9.86% | 10.88% | 7.94% | 0.69% |
| Q1 2024 | 9.80% | 9.80% | 10.85% | 7.57% | 0.65% |
| Q2 2024 | 10.57% | 10.57% | 11.56% | 8.80% | 0.71% |
| Q3 2024 | 10.64% | 10.64% | 11.63% | 8.55% | 0.60% |
| Q4 2024 | 11.05% | 11.05% | 12.03% | 8.57% | 0.52% |
| Q1 2025 | 11.25% | 11.25% | 12.25% | 8.94% | 1.12% |
| Q2 2025 | 11.76% | 11.76% | 12.82% | 9.07% | 1.36% |
| Q3 2025 | 11.74% | 11.74% | 12.72% | 9.28% | 1.38% |
| Q4 2025 | 11.78% | 11.78% | 12.76% | 9.28% | 1.55% |
| Q1 2026 | 11.76% | 11.76% | 12.77% | 9.32% | 1.24% |
| Q2 2026 | 12.02% | 12.02% | 13.08% | 9.42% | 1.77% |
Bankstar Financial vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankstar Financial, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bankstar Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 496) · FFIEC NIC profile (RSSD 109453)