Star Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
Star Financial Bank is an FDIC-insured commercial bank headquartered in Fort Wayne, IN, established in 1988 (FDIC certificate 27235), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.23B, up 7.0% from Q2 2025, the 13th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 14.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27235
- Headquarters
- Fort Wayne, IN
- Established
- 1988
- Total assets, Q2 2026
- $3.23B
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 37 FDIC institution directory, current count
- Routing number
- 074901672
- Holding company
- STAR FINANCIAL GROUP, INC.
- Asset rank in state
- 13th of 87 in Indiana
Star Financial Bank, based in Fort Wayne, Indiana, reported $3.2 billion in assets at June 30, 2026, up 7.0% from a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Net income for the quarter rose 18% from a year earlier, to $8.0 million. Over the same year, loans grew 3.2% and deposits grew 7.6%. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Star Financial Bank reported a CET1 capital ratio of 14.27%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.71%. The figures come from its call report filed with the FFIEC.
Star Financial Bank ranks as the 13th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $3.23B, loans fell 0.6% and deposits rose 1.2%. 1-4 family residential loans made up 25.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.3%. The FDIC Summary of Deposits lists 37 offices for it, in 20 cities in IN; its Fort Wayne 7 offices book 25% of its branch deposits. By the capital ratios in its Q2 2026 call report, Star Financial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 W. Main Street, Fort Wayne, IN 46802
- County
- Allen
- Metro Area
- Fort Wayne, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 2, 1988
- Former names
- Star Financial Bank, Anderson, Indiana (1996-1997); Star Financial Bank, Indianapolis, Indiana (1991-1996); Trustcorp Bank, Indianapolis (1988-1991)
- Domestic offices
- 37 FDIC institution directory, current count
- Employees (FTE)
- 446
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $193K
- Average total assets
- $3.33B
- Average total loans
- $1.84B
- Average interest-bearing deposits
- $2.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 1988
- FDIC Cert
- 27235
- Fed RSSD
- 547840
- SEC CIK
- 1885546 → filed by STAR FINANCIAL GROUP, INC.
- Website
- www.starfinancial.com →
- Parent Holding Company
- STAR FINANCIAL GROUP, INC. (RSSD 1141647)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Star Financial Bank's total assets ranged from $2.92B (Q1 2024) to $3.23B (Q4 2025), 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
$3.23B total assets against $3.02B; $2.93B total liabilities against $2.76B.
$1.83B net loans and leases against $1.77B; $2.85B total deposits against $2.64B.
$940.1M securities against $943.1M; $315.4M cash and balances due against $146.0M.
$37.4M total interest income against $36.7M; $13.1M total interest expense against $14.3M.
$24.3M net interest income against $22.4M.
$6.6M total noninterest income against $6.5M; $21.1M total noninterest expense against $20.2M.
$0 provision for credit losses against $270K.
$8.0M net income against $6.8M.
0.96% return on assets against 0.85%; 3.12% net interest margin against 3.00%.
14.27% CET1 capital ratio against 13.70%; 10.33% tier 1 leverage ratio against 10.22%.
Inside the full Star Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStar Financial Bank rankings
Its closest position to the top of a national ranking is 391 of 4,196, for total assets; its furthest is 2,600 of 3,611, for ROA.
Metric pages for Star Financial Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.47% (Q4 2025) and its net interest margin ran from 3.00% (Q2 2025) to 3.30% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 0.96% | 0.46% | 2.71% | 3.12% |
| Q1 2026 | 13.85% | 1.03% | 0.55% | 3.39% | 3.30% |
| Q4 2025 | 13.64% | 1.47% | 0.51% | 3.16% | 3.16% |
| Q3 2025 | 13.63% | 0.77% | 0.47% | 3.02% | 3.14% |
| Q2 2025 | 13.70% | 0.85% | 0.31% | 2.03% | 3.00% |
| Q1 2025 | 13.47% | 0.80% | 0.31% | 2.11% | 3.06% |
| Q4 2024 | 13.52% | 0.68% | 0.22% | 1.54% | 3.02% |
| Q3 2024 | 13.92% | 0.78% | 0.27% | 1.76% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 37 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 |
|---|---|---|---|
| Star Financial Bank (main office) | Fort Wayne , IN | 46802 | $464.1M |
| Monument Circle Branch | Indianapolis , IN | 46204 | $335.1M |
| Columbia City Branch | Columbia City , IN | 46725 | $186.2M |
| Anderson Main | Anderson , IN | 46016 | $128.3M |
| High Street Branch | Muncie , IN | 47305 | $119.0M |
| Marion Downtown Branch | Marion , IN | 46952 | $118.4M |
| Gas City Branch | Gas City , IN | 46933 | $100.2M |
| EverbrookMcgalliard Branch | Muncie , IN | 47304 | $90.0M |
| New Castle Branch | New Castle , IN | 47362 | $81.9M |
| Southdale Branch | Anderson , IN | 46013 | $81.3M |
| ElwoodStar Branch | Elwood , IN | 46036 | $79.2M |
| Greenfield Branch | Greenfield , IN | 46140 | $65.8M |
| 146th at the Crossing Branch | Noblesville , IN | 46060 | $61.9M |
| Cross Street Branch | Anderson , IN | 46012 | $61.0M |
| Tipton Branch | Tipton , IN | 46072 | $60.4M |
| Pendleton Branch | Pendleton , IN | 46064 | $56.1M |
| Scott Road Banking Center Branch | Fort Wayne , IN | 46804 | $55.3M |
| Frontage Road Branch | Columbia City , IN | 46725 | $53.0M |
| Angola Branch | Angola , IN | 46703 | $52.0M |
| Waynedale Branch | Fort Wayne , IN | 46809 | $48.1M |
| Lima Road Branch | Fort Wayne , IN | 46818 | $45.9M |
| North Baldwin Branch | Marion , IN | 46952 | $42.2M |
| Coventry Branch | Fort Wayne , IN | 46804 | $40.2M |
| Churubusco Branch | Churubusco , IN | 46723 | $40.2M |
| St. Joe Center Road Branch | Fort Wayne , IN | 46835 | $38.4M |
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 |
|---|---|---|---|
| January 1, 2010 | M&A | Acquired Star Wealth Management merger for the acquired bank | SEC |
| January 1, 2010 | Structure Change | Acquired Star Wealth Management Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 1997 | M&A | Acquired Star Financial Bank, Columbia City, Indiana merger for the acquired bank | SEC |
| November 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Structure Change | Acquired Star Financial Bank, New Castle, Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1991 | M&A | merger | SEC |
| February 1, 1991 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in IN, rank 20 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,578 applications, 897 loans originated, $162.1M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 32 loans, $7.7M approved, $241K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2015-Q1 to 2023-Q2. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 Star Financial Bank
What are Star Financial Bank's total assets?
As of the Q2 2026 filing, Star Financial Bank reported total assets of $3.23 billion in its FFIEC call report.
Where is Star Financial Bank headquartered?
It is headquartered in Fort Wayne, IN, United States.
When was Star Financial Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Star Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Star Financial Bank?
Star Financial Bank's primary federal regulator is the FDIC.
What is Star Financial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Star Financial Bank operate?
It operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Star Financial Bank's Texas Ratio?
Its Texas Ratio is 2.71% 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 Star Financial Bank previously called?
The charter now named Star Financial Bank has also operated as Star Financial Bank, Anderson, Indiana (1996-1997), Star Financial Bank, Indianapolis, Indiana (1991-1996), Trustcorp Bank, Indianapolis (1988-1991), per FDIC structure-change records.
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