Star Financial Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Star Financial Bank of Fort Wayne, IN against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.96% | 1.29% | -0.33% | 25th worst quarter |
| ROAE | 10.88% | 12.61% | -1.73% | 38th worse half |
| Net Interest Margin | 3.12% | 3.71% | -0.59% | 18th worst quarter |
| Efficiency Ratio | 67.63% | 58.32% | +9.31% | 76th worst quarter |
| PPNR / Avg Assets | 1.17% | 1.75% | -0.58% | 20th worst quarter |
| Yield on Earning Assets | 4.77% | 5.54% | -0.77% | 12th |
| Cost of Funds | 1.46% | 2.01% | -0.55% | 18th best quarter |
| Net Interest Spread | 2.25% | 3.09% | -0.84% | 11th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 0.52% | -0.06% | 44th better half |
| NPA / Total Assets | 0.27% | 0.41% | -0.14% | 35th better half |
| NCO / Avg Loans | 0.02% | 0.03% | -0.01% | 46th better half |
| ACL / Total Loans | 1.13% | 1.15% | -0.02% | 47th |
| ACL / NPLs (Coverage) | 247.47% | 204.05% | +43.42% | 58th better half |
| Texas Ratio | 2.71% | 3.58% | -0.87% | 40th better half |
| Provision / NCO | 0.00% | 173.21% | -173.21% | 11th |
| CRE / Total Capital | 142.94% | 223.76% | -80.82% | 21st best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.27% | 13.52% | +0.75% | 61st better half |
| Tier 1 Ratio | 14.27% | 13.55% | +0.72% | 61st better half |
| Total Capital Ratio | 15.21% | 14.66% | +0.55% | 59th better half |
| Leverage Ratio | 10.33% | 10.52% | -0.19% | 45th worse half |
| Equity / Assets | 9.25% | 10.38% | -1.13% | 27th worse half |
| TCE / Tangible Assets | 9.17% | 9.80% | -0.63% | 36th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 64.92% | 88.15% | -23.23% | 9th |
| Core Deposit Ratio | 96.01% | 88.46% | +7.55% | 90th best quarter |
| Uninsured Deposit Ratio | 46.80% | 30.92% | +15.88% | 87th worst quarter |
| Borrowings / Total Assets | 1.57% | 3.92% | -2.35% | 25th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.00% | 5.45% | +1.55% | 60th |
| Loan Growth (Y/Y) | 3.24% | 5.90% | -2.66% | 35th |
| Deposit Growth (Y/Y) | 7.64% | 5.07% | +2.57% | 64th |
See Star Financial Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Star Financial Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Star Financial Bank peer analysis.