Star Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 2.63% from 3.14% in the prior period. Operating from Maple Lake, MN, Star Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Star reported $446M in total assets against $385M in deposits. The bank posts a strong 1.26% ROA and 13.05% ROE. Capital cushions are healthy: 10.73% CET1, 9.29% Tier 1 leverage. Credit conditions bear watching: 2.63% NPL ratio with a 23.81% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 11 branches concentrated in Minnesota.
As of June 30, 2026, Star Bank reported a CET1 capital ratio of 10.73%, a return on assets of 1.26%, a nonperforming-loan ratio of 2.63%, a Texas ratio of 23.81%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 Highway 55 E, Maple Lake, MN 55358
- County
- Wright
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 15, 1904
- Former names
- Star Bank, National Association (2000-2004); The First National Bank of Bertha-Verndale (1983-2000)
- Offices
- 11 domestic
- Employees (FTE)
- 80
- Domestic deposits
- $384.6M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $3.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5095
- Fed RSSD
- 715050
- Website
- www.star.bank →
- Parent Holding Company
- MIDWEST BANCORPORATION, INC. (RSSD 1827718)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Star Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Star 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.
Star Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Star Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 1.26% | 2.63% | 23.81% | 5.05% |
| Q1 2026 | 10.50% | -0.21% | 3.14% | 28.12% | 5.01% |
| Q4 2025 | 10.23% | 0.94% | 3.84% | 35.62% | 4.91% |
| Q3 2025 | 9.94% | 1.53% | 4.81% | 44.60% | 4.75% |
| Q2 2025 | 9.67% | -0.60% | 3.93% | 37.59% | 4.62% |
| Q1 2025 | 10.33% | 1.23% | 3.05% | 26.02% | 4.48% |
| Q4 2024 | 9.97% | 2.10% | 2.19% | 26.60% | 5.00% |
| Q3 2024 | 9.71% | 1.72% | 2.50% | 23.92% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Star Bank (main office) | Maple Lake , MN | 55358 | $147.2M |
| Wheaton Branch | Wheaton , MN | 56296 | $39.1M |
| Annandale Branch | Annandale , MN | 55302 | $33.4M |
| Graceville Branch | Graceville , MN | 56240 | $32.7M |
| Hancock Branch | Hancock , MN | 56244 | $27.8M |
| Verndale Branch | Verndale , MN | 56481 | $27.8M |
| Bertha Branch | Bertha , MN | 56437 | $21.5M |
| Eden Prairie Branch | Eden Prairie , MN | 55344 | $17.6M |
| Barrett Branch | Barrett , MN | 56311 | $13.6M |
| Eagle Bend Branch | Eagle Bend , MN | 56446 | $13.3M |
| Elbow Lake Branch | Elbow Lake , MN | 56531 | $10.6M |
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 |
|---|---|---|---|
| March 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2000 | Structure Change | Acquired West Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1982 | Structure Change | Acquired The First National Bank of Verndale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Star Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 5, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MN, rank 79 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 95 applications, 85 loans originated, $21.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Star Bank
What are Star Bank's total assets?
As of the Q2 2026 filing, Star Bank reported total assets of $445.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Star Bank headquartered?
Star Bank is headquartered in Maple Lake, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Star Bank founded?
Star Bank was established in 1904, per the FDIC institution directory.
Is Star Bank FDIC-insured?
Yes. Star Bank is an FDIC-insured commercial bank (FDIC Certificate #5095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Star Bank?
Star Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Star Bank's CET1 capital ratio?
Star Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Star Bank operate?
Star Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Star Bank's Texas Ratio?
Star Bank's Texas Ratio is 23.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Star Bank previously called?
The charter now named Star Bank has also operated as Star Bank, National Association (2000-2004), The First National Bank of Bertha-Verndale (1983-2000), per FDIC structure-change records.
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