Starion 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 62.65 percentage points lower than in Q1 2026, at 92.63%. Starion Bank ranks 45th of 60 North Dakota banks on return on assets, in the lower half at 1.14% (Q2 2026). Starion Bank reported 1.14% on return on assets for Q2 2026, 0.13 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.29% |
| Tier 1 leverage ratio | 9.45% |
| Equity capital to assets | 8.39% |
| Tangible equity to tangible assets | 8.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.63% |
| Non-performing assets ratio | 1.00% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 11.01% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 92.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 13.98% |
| Net interest margin | 2.97% |
| Efficiency ratio | 63.94% |
| Yield on earning assets | 4.79% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.47% |
| Core deposits to total deposits | 88.55% |
| Brokered deposits to total deposits | 0.41% |
| Deposits to assets | 86.85% |
| Securities to assets | 27.27% |
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 | 13.01% | 13.01% | 14.26% | 9.56% | 0.36% |
| Q4 2023 | 13.10% | 13.10% | 14.35% | 9.62% | 0.74% |
| Q1 2024 | 13.02% | 13.02% | 14.27% | 9.65% | 0.27% |
| Q2 2024 | 13.06% | 13.06% | 14.31% | 9.68% | 0.41% |
| Q3 2024 | 13.18% | 13.18% | 14.43% | 9.74% | 0.34% |
| Q4 2024 | 13.26% | 13.26% | 14.51% | 9.38% | 0.44% |
| Q1 2025 | 13.69% | 13.69% | 14.94% | 9.10% | 0.77% |
| Q2 2025 | 13.74% | 13.74% | 14.99% | 8.83% | 0.92% |
| Q3 2025 | 13.82% | 13.82% | 15.07% | 9.47% | 0.87% |
| Q4 2025 | 13.78% | 13.78% | 15.04% | 9.42% | 0.58% |
| Q1 2026 | 13.86% | 13.86% | 15.11% | 9.48% | 1.09% |
| Q2 2026 | 14.03% | 14.03% | 15.29% | 9.45% | 1.14% |
Starion Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Starion 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 Starion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33758) · FFIEC NIC profile (RSSD 2009605)