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 climbed 7.47 percentage points in Q2 2026, from 33.62% to 41.10%. It was the largest change from Q1 2026 among the key lines here. Star Bank ranks 125th of 221 Minnesota banks on return on assets, in the lower half at 1.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Star Bank reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.73% |
| Tier 1 risk-based capital ratio | 10.73% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 9.29% |
| Equity capital to assets | 9.91% |
| Tangible equity to tangible assets | 9.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.63% |
| Non-performing assets ratio | 2.25% |
| Net charge-off ratio | 0.64% |
| Texas ratio | 23.81% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 41.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 13.05% |
| Net interest margin | 5.05% |
| Efficiency ratio | 62.12% |
| Yield on earning assets | 6.56% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.88% |
| Core deposits to total deposits | 85.38% |
| Brokered deposits to total deposits | 12.36% |
| Deposits to assets | 86.28% |
| Securities to assets | 7.15% |
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 | 11.02% | 11.02% | 12.27% | 9.85% | 1.54% |
| Q4 2023 | 11.07% | 11.07% | 12.32% | 9.74% | 1.70% |
| Q1 2024 | 11.05% | 11.05% | 12.28% | 9.80% | 1.55% |
| Q2 2024 | 8.82% | 8.82% | 9.89% | 8.84% | 1.70% |
| Q3 2024 | 9.71% | 9.71% | 10.76% | 9.02% | 1.72% |
| Q4 2024 | 9.97% | 9.97% | 10.97% | 9.10% | 2.10% |
| Q1 2025 | 10.33% | 10.33% | 11.41% | 9.41% | 1.23% |
| Q2 2025 | 9.67% | 9.67% | 10.71% | 8.92% | -0.60% |
| Q3 2025 | 9.94% | 9.94% | 10.99% | 9.10% | 1.53% |
| Q4 2025 | 10.23% | 10.23% | 11.25% | 9.04% | 0.94% |
| Q1 2026 | 10.50% | 10.50% | 11.49% | 9.01% | -0.21% |
| Q2 2026 | 10.73% | 10.73% | 11.75% | 9.29% | 1.26% |
Star Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5095) · FFIEC NIC profile (RSSD 715050)