Northstar Bank
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Data as of · sourced from FFIEC call reports. How we update
Northstar Bank is an FDIC-insured commercial bank headquartered in Bad Axe, MI, established in 2001 (FDIC certificate 57097), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.16B, up 11.4% from Q2 2025, the 15th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57097
- Headquarters
- Bad Axe, MI
- Established
- 2001
- Total assets, Q2 2026
- $1.16B
- Assets vs Q2 2025
- +11.4%
- Tier 1 leverage ratio, Q2 2026
- 9.11%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 072414064
- Holding company
- NORTHSTAR FINANCIAL GROUP, INC.
- Asset rank in state
- 15th of 72 in Michigan
Northstar Bank, based in Bad Axe, Michigan, reported $1.2 billion in assets at June 30, 2026, up 11.4% from a year earlier. It carries problem assets equal to 11.6% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $3.8 million, 64% above the same quarter a year earlier. Delinquency has appeared in its $148 million commercial and industrial book: 1.41% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Northstar Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 11.56%. The figures come from its call report filed with the FFIEC.
Northstar Bank ranks as the 15th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $1.16B, loans rose 2.2% and deposits fell 0.6%. Owner-occupied commercial real estate loans made up 26.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.5%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in MI; its Bad Axe office books 19% of its branch deposits. On its Q2 2026 call report, Northstar Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 833 S Van Dyke Rd, Bad Axe, MI 48413
- County
- Huron
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 2001
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 160
- Domestic deposits
- $973.6M
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- -$76K
- Average total assets
- $1.15B
- Average total loans
- $977.2M
- Average interest-bearing deposits
- $790.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 1, 2001
- FDIC Cert
- 57097
- Fed RSSD
- 2958972
- Website
- WWW.NORTHSTARATHOME.BANK →
- Parent Holding Company
- NORTHSTAR FINANCIAL GROUP, INC. (RSSD 2958990)
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, Northstar 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, Northstar Bank's total assets ran between $956.2M (Q3 2023) and $1.16B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.16B total assets against $1.04B; $1.06B total liabilities against $950.1M.
$983.0M net loans and leases against $878.5M; $973.6M total deposits against $861.2M.
$85.9M securities against $80.6M; $22.9M cash and balances due against $18.3M.
$15.9M total interest income against $14.3M; $5.0M total interest expense against $4.3M.
$10.9M net interest income against $10.0M.
$2.0M total noninterest income against $2.5M; $7.9M total noninterest expense against $7.1M.
$245K provision for credit losses against $2.5M.
$3.8M net income against $2.3M.
1.32% return on assets against 0.88%; 4.03% net interest margin against 4.10%.
9.11% tier 1 leverage ratio against 9.34%.
Inside the full Northstar 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Northstar Bank rankings
Its closest position to the top of a national ranking is 508 of 3,640, for Texas Ratio; its furthest is 591 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q2 2025) to 1.53% (Q4 2025) and its net interest margin ran from 3.90% (Q1 2026) to 4.25% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.11% | 1.32% | 0.80% | 11.56% | 4.03% |
| Q1 2026 | 8.90% | 1.28% | 0.65% | 11.28% | 3.90% |
| Q4 2025 | 8.73% | 1.53% | 0.95% | 12.66% | 4.02% |
| Q3 2025 | 9.36% | 1.44% | 1.15% | 12.51% | 4.25% |
| Q2 2025 | 9.34% | 0.88% | 1.06% | 11.62% | 4.10% |
| Q1 2025 | 9.31% | 1.37% | 1.31% | 13.36% | 3.98% |
| Q4 2024 | 8.99% | 1.51% | 1.16% | 14.83% | 4.09% |
| Q3 2024 | 9.64% | 1.36% | 1.15% | 13.79% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Northstar Bank (main office) | Bad Axe , MI | 48413 | $186.5M |
| Ann Arbor Mi Branch | Ann Arbor , MI | 48108 | $182.7M |
| Seaway Community Bank Main Office Branch | Saint Clair , MI | 48079 | $170.1M |
| Community Bank, Caro - Branch | Caro , MI | 48723 | $128.1M |
| Fort Gratiot Branch | Fort Gratiot , MI | 48059 | $93.5M |
| Algonac Branch | Algonac , MI | 48001 | $74.9M |
| Lenox Branch | Lenox , MI | 48050 | $68.7M |
| Ubly Branch | Ubly , MI | 48475 | $26.4M |
| Akron Branch | Akron , MI | 48701 | $22.3M |
| Pigeon Branch | Pigeon , MI | 48755 | $20.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 21, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2013 | Structure Change | Acquired Seaway Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 5, 2007 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 9, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MI, rank 27 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 91 loans originated, $39.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Northstar Bank
What are Northstar Bank's total assets?
As of the Q2 2026 filing, Northstar Bank reported total assets of $1.16 billion in its FFIEC call report.
Where is Northstar Bank headquartered?
It is headquartered in Bad Axe, MI, United States.
When was Northstar Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Northstar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northstar Bank?
Northstar Bank's primary federal regulator is the Federal Reserve.
How many branches does Northstar Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northstar Bank's Texas Ratio?
Its Texas Ratio is 11.56% 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.
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