Starion Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.63% from 0.95% in the prior period. Starion Bank is an FDIC-insured commercial bank. Starion's Q2 2026 balance sheet shows $2.1B in assets funded primarily by $1.8B in customer deposits. Returns are in line with industry norms at 1.14% ROA and 13.98% ROE; net interest margin is 2.97%. Capital cushions are healthy: 14.03% CET1, 9.45% Tier 1 leverage. Credit conditions bear watching: 1.63% NPL ratio with a 11.01% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 16 branches concentrated in North Dakota.
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 1.63%, a Texas ratio of 11.01%, per financial data filed with the FFIEC.
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)
- Offices
- 16 domestic
- Employees (FTE)
- 238
- Domestic deposits
- $1.82B
- Allowance for credit losses
- $19.3M
- Net charge-offs (YTD)
- -$8K
- 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
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 Starion Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Starion 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
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 Starion Bank: Uninsured deposits.
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 | 14.03% | 1.14% | 1.63% | 11.01% | 2.97% |
| Q1 2026 | 13.86% | 1.09% | 0.95% | 6.78% | 2.86% |
| Q4 2025 | 13.78% | 0.58% | 1.15% | 7.83% | 2.63% |
| Q3 2025 | 13.82% | 0.87% | 0.79% | 5.48% | 2.63% |
| Q2 2025 | 13.74% | 0.92% | 0.87% | 6.54% | 2.42% |
| Q1 2025 | 13.69% | 0.77% | 0.89% | 7.43% | 2.28% |
| Q4 2024 | 13.26% | 0.44% | 1.00% | 8.30% | 2.17% |
| Q3 2024 | 13.18% | 0.34% | 0.31% | 2.42% | 2.02% |
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 16 branches →
| 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 | 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 |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Starion 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Starion Bank headquartered?
Starion Bank is headquartered in Bismarck, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Starion Bank founded?
Starion Bank was established in 1993, per the FDIC institution directory.
Is Starion Bank FDIC-insured?
Yes. Starion Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Starion Bank's CET1 capital ratio?
Starion Bank 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?
Starion Bank 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?
Starion Bank's Texas Ratio is 11.01% 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 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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