North Star Bank: 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.
Reserve coverage of non-performing loans dropped 650.51 percentage points in Q2 2026, from 770.83% to 120.32%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, North Star Bank is 146th of 221 on return on assets, 1.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. North Star Bank sits 0.08 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.00% |
| Equity capital to assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 1.83% |
| Texas ratio | 5.91% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 120.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 12.66% |
| Net interest margin | 3.84% |
| Efficiency ratio | 63.74% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.13% |
| Core deposits to total deposits | 92.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.99% |
| Securities to assets | 23.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.34% | 0.79% | 3.38% | 0.00% | 0.00% |
| Q4 2023 | 10.45% | 1.34% | 3.59% | 0.00% | 0.00% |
| Q1 2024 | 9.75% | 0.32% | 3.24% | 0.00% | 0.00% |
| Q2 2024 | 9.62% | 0.62% | 3.24% | 0.00% | 0.00% |
| Q3 2024 | 9.47% | 0.78% | 3.18% | 0.00% | 0.00% |
| Q4 2024 | 9.71% | 1.20% | 3.38% | 0.00% | 0.00% |
| Q1 2025 | 9.50% | -0.71% | 3.28% | 0.00% | 0.00% |
| Q2 2025 | 10.27% | 2.78% | 3.57% | 0.00% | 0.04% |
| Q3 2025 | 10.35% | 1.23% | 3.56% | 0.35% | 0.00% |
| Q4 2025 | 10.04% | 0.95% | 3.51% | 0.21% | 1.67% |
| Q1 2026 | 10.53% | 1.54% | 3.75% | 0.20% | -0.08% |
| Q2 2026 | 11.00% | 1.18% | 3.84% | 0.94% | 1.83% |
North Star Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Star Bank, 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 North Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16733) · FFIEC NIC profile (RSSD 750051)