Bank Safety Analysis
NorthStar Bank: final safety record
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The largest change between Q1 2026 and Q2 2026 was in CET1 ratio, which rose 1.09 percentage points to 16.72%. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. NorthStar Bank sits 1.64 points higher, at 16.72% (Q2 2026). From Q3 2023 to Q2 2026, NorthStar Bank's CET1 ratio ranged between 13.91% (Q1 2025) and 18.09% (Q3 2023) and its Texas ratio ranged between 0.00% (Q3 2025) and 3.99% (Q4 2025). Between Q2 2025 and Q2 2026, NorthStar Bank's CET1 ratio rose from 14.32% to 16.72%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.06% to 0.00%, Texas ratio fell from 0.37% to 0.01% and return on assets fell from 1.31% to 1.27%.
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 16.72% 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 11.66% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 48.7% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 16.72% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.01% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | 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 | 80.46% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 59.77% | Watch at 200%, concern at 300% | Within range |
| 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 | 16.72% |
| Q1 2026 | 15.63% |
| Q4 2025 | 15.42% |
| Q3 2025 | 14.56% |
| Q2 2025 | 14.32% |
| Q1 2025 | 13.91% |
| Q4 2024 | 15.75% |
| Q3 2024 | 15.66% |
| Q2 2024 | 15.94% |
| Q1 2024 | 15.26% |
| Q4 2023 | 17.46% |
| Q3 2023 | 18.09% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.01% |
| Q1 2026 | 0.15% |
| Q4 2025 | 3.99% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.37% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 1.48% |
| Q3 2023 | 0.00% |
NorthStar Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 16.72% | 0.00% | 0.01% | 1.27% |
| Mar 31, 2026 | 15.63% | 0.03% | 0.15% | 1.27% |
| Dec 31, 2025 | 15.42% | 0.66% | 3.99% | 1.30% |
| Sep 30, 2025 | 14.56% | 0.00% | 0.00% | 1.33% |
| Jun 30, 2025 | 14.32% | 0.06% | 0.37% | 1.31% |
| Mar 31, 2025 | 13.91% | 0.00% | 0.00% | 1.29% |
| Dec 31, 2024 | 15.75% | 0.00% | 0.01% | 1.14% |
| Sep 30, 2024 | 15.66% | 0.00% | 0.00% | 1.18% |
| Jun 30, 2024 | 15.94% | 0.00% | 0.00% | 0.94% |
| Mar 31, 2024 | 15.26% | 0.00% | 0.00% | 1.03% |
| Dec 31, 2023 | 17.46% | 0.25% | 1.48% | 0.62% |
| Sep 30, 2023 | 18.09% | 0.00% | 0.00% | 0.93% |
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 34407) · FFIEC NIC profile (RSSD 2562137)
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