Total Assets
$407M
Total balance-sheet footings
FDIC Cert #16733 · Roseville, Minnesota · Est. 1947
North Star Bank - FDIC Bank Health Profile
A community-scale look at North Star Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $407M
- Total assets
- B
- Health grade · Good
- 1.07%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
North Star Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.04% Tier 1, profitable at 1.07% ROA, 62% efficiency ratio.
- #2,065
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 10.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How North Star Bank's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
North Star Bank's composite health score
Tier 1 Capital Ratio (10.04%) 28/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (9.07%) 16/20
Efficiency Ratio (61.71%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$370M
Customer-funded liabilities
Net Loans
$247M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where North Star Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. North Star Bank's score of 72/100 falls in the highlighted band.
North Star Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). North Star Bank's $407M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.04%
Texas Ratio
9.07%
Equity Capital
$35M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
13.24%
Efficiency Ratio
61.71%
What the numbers say about North Star Bank
North Star Bank is an FDIC-insured institution (Certificate #16733) headquartered in Roseville, Minnesota, established in 1947. It holds $407M in total assets - 2,065th of 4,313 FDIC-insured banks, $370M in customer deposits, and $247M in net loans. Capital-wise, the Tier 1 ratio sits at 10.04%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 9.07%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
North Star Bank sits 65th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. North Star Bank reports a Texas Ratio of 9.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) North Star Bank (FDIC Cert #16733) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is North Star Bank's health grade?▼
North Star Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is North Star Bank?▼
North Star Bank holds $407M in total assets and $370M in deposits, ranking 2,065th of 4,313 FDIC-insured banks by asset size. It is headquartered in Roseville, Minnesota.
Is my money safe at North Star Bank?▼
Yes, deposits at North Star Bank (Certificate #16733) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is North Star Bank's Tier 1 Capital Ratio?▼
North Star Bank has a Tier 1 Capital Ratio of 10.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for North Star Bank?▼
North Star Bank has a Texas Ratio of 9.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is North Star Bank?▼
North Star Bank has an Efficiency Ratio of 61.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read North Star Bank's profile as a depositor or analyst.
- North Star Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare North Star Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.