Starion Bank
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Data as of · sourced from FFIEC call reports. How we update
Starion Bank is an FDIC-insured commercial bank headquartered in Bismarck, ND, established in 1993 (FDIC certificate 33758), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.10B, up 0.6% from Q2 2025, the 9th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 14.03% 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
- 33758
- Headquarters
- Bismarck, ND
- Established
- 1993
- Total assets, Q2 2026
- $2.10B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 14.03%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 091310767
- Latest call report
- Q2 2026, FFIEC 041 · Starion Bank call report
- Holding company
- STARION BANCORPORATION
- Asset rank in state
- 9th of 60 in North Dakota
Problem loans are rising at Starion Bank. The Bismarck, North Dakota bank had $2.1 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.22% a year earlier. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also carries problem assets equal to 9.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $6.2 million. Delinquency has appeared in its $144 million multifamily book: 1.04% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Starion Bank reported a CET1 capital ratio of 14.03%, a return on assets of 1.14%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 9.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Starion Bank is the 9th largest of the 60 banks headquartered in North Dakota. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $2.10B, loans fell 0.8% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 15.6% of total loans, followed by 1-4 family residential loans at 13.8%. The FDIC Summary of Deposits lists 16 offices for it, in 11 cities across 2 states; its Bismarck 4 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Starion Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 333 N 4th St, Bismarck, ND 58501
- County
- Burleigh
- Metro Area
- Bismarck, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1993
- Former names
- Starion Financial (2003-2016); First Southwest Bank (1995-2003)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 238
- Domestic deposits
- $1.82B
- Allowance for credit losses
- $19.3M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $2.15B
- Average total loans
- $1.26B
- Average interest-bearing deposits
- $1.56B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1993
- FDIC Cert
- 33758
- Fed RSSD
- 2009605
- Website
- WWW.STARIONBANK.COM →
- Parent Holding Company
- STARION BANCORPORATION (RSSD 1126729)
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, Starion Bank's total assets ranged from $1.82B (Q3 2023) to $2.18B (Q1 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
$2.10B total assets against $2.08B; $1.92B total liabilities against $1.93B.
$1.26B net loans and leases against $1.20B; $1.82B total deposits against $1.76B.
$572.0M securities against $545.8M; $218.2M cash and balances due against $287.3M.
$24.9M total interest income against $25.2M; $9.6M total interest expense against $12.5M.
$15.3M net interest income against $12.7M.
$3.8M total noninterest income against $3.4M; $12.5M total noninterest expense against $10.8M.
$501K provision for credit losses against $270K.
$6.2M net income against $5.0M.
1.14% return on assets against 0.92%; 2.97% net interest margin against 2.42%.
14.03% CET1 capital ratio against 13.74%; 9.45% tier 1 leverage ratio against 8.83%.
Inside the full Starion 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.
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.
Starion Bank rankings
Its closest position to the top of a national ranking is 576 of 4,196, for total assets; its furthest is 2,242 of 3,606, for efficiency ratio.
Metric pages for Starion Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q3 2024) to 1.14% (Q2 2026) and its net interest margin ran from 2.02% (Q3 2024) to 2.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.03% | 1.14% | 1.45% | 9.80% | 2.97% |
| Q1 2026 | 13.86% | 1.09% | 0.98% | 6.62% | 2.86% |
| Q4 2025 | 13.78% | 0.58% | 0.90% | 6.10% | 2.63% |
| Q3 2025 | 13.82% | 0.87% | 0.18% | 1.19% | 2.63% |
| Q2 2025 | 13.74% | 0.92% | 0.22% | 1.61% | 2.42% |
| Q1 2025 | 13.69% | 0.77% | 0.32% | 2.37% | 2.28% |
| Q4 2024 | 13.26% | 0.44% | 0.35% | 2.79% | 2.17% |
| Q3 2024 | 13.18% | 0.34% | 0.31% | 2.34% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Starion Bank (main office) | Bismarck , ND | 58501 | $642.2M |
| Mandan Branch | Mandan , ND | 58554 | $498.0M |
| Fargo Urban Plains Branch | Fargo , ND | 58104 | $167.1M |
| Bismarck North Branch | Bismarck , ND | 58503 | $101.6M |
| Ellendale Branch | Ellendale , ND | 58436 | $89.0M |
| Middleton, Wi Branch | Middleton , WI | 53562 | $68.8M |
| Oakes Branch | Oakes , ND | 58474 | $67.3M |
| Bismarck South Branch | Bismarck , ND | 58504 | $38.8M |
| Rolla Branch | Rolla , ND | 58367 | $38.4M |
| Dunseith Branch | Dunseith , ND | 58329 | $27.9M |
| Madison Branch | Madison , WI | 53713 | $25.4M |
| Sun Prairie Branch | Sun Prairie , WI | 53590 | $21.6M |
| Bottineau Branch | Bottineau , ND | 58318 | $19.3M |
| Fargo - Downtown Branch | Fargo , ND | 58102 | $6.6M |
| Bismarck Plaza Branch | Bismarck , ND | 58503 | $6.5M |
| Fargo University Dr Branch | Fargo , ND | 58103 | $3.8M |
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 |
|---|---|---|---|
| April 11, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2015 | Structure Change | Acquired WPS Community Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2011 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 1995 | Structure Change | Acquired First Southwest Bank - Mandan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.0% of deposits in ND, rank 9 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 284 applications, 219 loans originated, $112.6M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $165K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Starion Bank
What are Starion Bank's total assets?
As of the Q2 2026 filing, Starion Bank reported total assets of $2.10 billion in its FFIEC call report.
Where is Starion Bank headquartered?
It is headquartered in Bismarck, ND, United States.
When was Starion Bank founded?
It was established in 1993, per the FDIC institution directory.
Is Starion Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33758). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Starion Bank?
Starion Bank's primary federal regulator is the FDIC.
What is Starion Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Starion Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Starion Bank's Texas Ratio?
Its Texas Ratio is 9.80% 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 Starion Bank previously called?
The charter now named Starion Bank has also operated as Starion Financial (2003-2016), First Southwest Bank (1995-2003), per FDIC structure-change records.
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