Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #57097 · Bad Axe, Michigan · Est. 2001
Northstar Bank - FDIC Bank Health Profile
A community-scale look at Northstar Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- B
- Health grade · Good
- 1.31%
- Return on assets
- 8.7%
- Tier 1 capital
Data updated July 2026
The verdict
Northstar Bank earns a PlainBankData health grade of B (66/100), with 8.73% Tier 1 capital, profitable at 1.31% ROA, efficient (58% cost ratio).
- #923
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 8.73%
- Tier 1 ratio - below the 10% well-capitalized line
- 64th
- 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 Northstar Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Northstar Bank's composite health score
Tier 1 Capital Ratio (8.73%) 18/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (8.56%) 16/20
Efficiency Ratio (57.89%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$944M
Customer-funded liabilities
Net Loans
$953M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Northstar Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Northstar Bank's score of 66/100 falls in the highlighted band.
Northstar 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). Northstar Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.73%
Texas Ratio
8.56%
Equity Capital
$95M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.31%
Return on Equity (ROE)
15.19%
Efficiency Ratio
57.89%
What the numbers say about Northstar Bank
Northstar Bank is an FDIC-insured institution (Certificate #57097) headquartered in Bad Axe, Michigan, established in 2001. It holds $1.1B in total assets - 923rd of 4,313 FDIC-insured banks, $944M in customer deposits, and $953M in net loans. Its capital position: a Tier 1 ratio of 8.73%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.56% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Northstar Bank sits 14th of 73 banks headquartered in Michigan by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$59M
Interest Income
$9M
Non-Interest Income
$29M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Northstar Bank reports a Texas Ratio of 8.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Northstar Bank (FDIC Cert #57097) - 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 Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Northstar Bank's health grade?▼
Northstar Bank receives a health grade of B (66/100) 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 Northstar Bank?▼
Northstar Bank holds $1.1B in total assets and $944M in deposits, ranking 923rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Bad Axe, Michigan.
Is my money safe at Northstar Bank?▼
Yes, deposits at Northstar Bank (Certificate #57097) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Northstar Bank's Tier 1 Capital Ratio?▼
Northstar Bank has a Tier 1 Capital Ratio of 8.73%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Northstar Bank?▼
Northstar Bank has a Texas Ratio of 8.56%. 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 Northstar Bank?▼
Northstar Bank has an Efficiency Ratio of 57.89%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Northstar Bank's profile as a depositor or analyst.
- Northstar Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Northstar Bank against other Michigan banks before moving funds. Michigan 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.