North Star Bank
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Data as of · sourced from FFIEC call reports. How we update
North Star Bank is an FDIC-insured commercial bank headquartered in Roseville, MN, established in 1947 (FDIC certificate 16733), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $378.7M, down 1.6% from Q2 2025, the 69th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16733
- Headquarters
- Roseville, MN
- Established
- 1947
- Total assets, Q2 2026
- $378.7M
- Assets vs Q2 2025
- -1.6%
- Tier 1 leverage ratio, Q2 2026
- 11.00%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 096000959
- Asset rank in state
- 69th of 221 in Minnesota
Problem loans are rising at North Star Bank. The Roseville, Minnesota bank had $379 million in assets at June 30, 2026, down 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.00% a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 6.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings fell sharply: quarterly net income of $1.1 million was 58% below a year earlier. Its $102 million non-owner-occupied commercial real estate book is now fully current, after 5.70% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, North Star Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 5.91%. The figures come from its call report filed with the FFIEC.
North Star Bank ranks as the 69th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.8% to $378.7M, loans fell 1.3% and deposits fell 4.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 41.5% of total loans, followed by commercial and industrial loans at 20.9%. Its 2 offices in the FDIC Summary of Deposits are in Roseville, MN and White Bear Lake, MN; its Roseville office books 74% of its branch deposits. Judged on its Q2 2026 call report, North Star Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1820 Lexington Ave N, Roseville, MN 55113
- County
- Ramsey
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 1947
- Former names
- North Star State Bank of Roseville (1971-1990)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $340.8M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $386.7M
- Average total loans
- $246.7M
- Average interest-bearing deposits
- $295.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1948
- FDIC Cert
- 16733
- Fed RSSD
- 750051
- Website
- http://WWW.NORTHSTARBANK.COM →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, North Star Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, North Star Bank's total assets ran between $344.8M (Q3 2023) and $406.8M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$378.7M total assets against $385.1M; $342.4M total liabilities against $353.8M.
$243.0M net loans and leases against $257.8M; $340.8M total deposits against $351.5M.
$88.0M securities against $81.9M; $42.6M cash and balances due against $40.2M.
$5.1M total interest income against $5.0M; $1.5M total interest expense against $1.7M.
$3.6M net interest income against $3.3M.
$263K total noninterest income against $1.7M; $2.5M total noninterest expense against $2.4M.
$25K provision for credit losses against $0.
$1.1M net income against $2.7M.
1.18% return on assets against 2.78%; 3.84% net interest margin against 3.57%.
11.00% tier 1 leverage ratio against 10.27%.
Inside the full North Star Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
North Star Bank rankings
Its closest position to the top of a national ranking is 1,143 of 3,640, for Texas Ratio; its furthest is 2,228 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.71% (Q1 2025) to 2.78% (Q2 2025) and its net interest margin ran from 3.18% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.18% | 0.94% | 5.91% | 3.84% |
| Q1 2026 | 10.53% | 1.54% | 1.39% | 8.76% | 3.75% |
| Q4 2025 | 10.04% | 0.95% | 1.40% | 9.07% | 3.51% |
| Q3 2025 | 10.35% | 1.23% | 1.81% | 12.08% | 3.56% |
| Q2 2025 | 10.27% | 2.78% | 0.00% | 0.00% | 3.57% |
| Q1 2025 | 9.50% | -0.71% | 0.00% | 0.00% | 3.28% |
| Q4 2024 | 9.71% | 1.20% | 0.00% | 0.00% | 3.38% |
| Q3 2024 | 9.47% | 0.78% | 0.00% | 0.00% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Star Bank (main office) | Roseville , MN | 55113 | $252.2M |
| White Bear Lake Branch | White Bear Lake , MN | 55110 | $88.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 89 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about North Star Bank
What are North Star Bank's total assets?
As of the Q2 2026 filing, North Star Bank reported total assets of $378.7 million in its FFIEC call report.
Where is North Star Bank headquartered?
It is headquartered in Roseville, MN, United States.
When was North Star Bank founded?
It was established in 1947, per the FDIC institution directory.
Is North Star Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Star Bank?
North Star Bank's primary federal regulator is the FDIC.
How many branches does North Star Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Star Bank's Texas Ratio?
Its Texas Ratio is 5.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was North Star Bank previously called?
The charter now named North Star Bank has also operated as North Star State Bank of Roseville (1971-1990), per FDIC structure-change records.
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