FDIC Cert #5095 · Maple Lake, Minnesota · Est. 1904

Star Bank - FDIC Bank Health Profile

A community-scale look at Star Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$465M
Total assets
C
Health grade · Fair
0.77%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Star Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 10.23% Tier 1, 0.77% ROA, 61% efficiency ratio.

#1,896
largest of 4,313 FDIC banks by assets
56th
percentile by asset size, nationally
10.23%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5095 · MN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3778/4307
  • PHOTO-FINISH The First National B… · MI
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-HEALTHY 24.8% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: The First National Bank of St. Ignace, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Star Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Horizon Bank · IN · near60/100Legends West Bank · NE · near60/100Star Bank · MN · this bank60/100The First National B… · MI ·…60/100Vista National Bank… · KS · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Star Bank · July 2026

Call Report read for Star Bank in a high-failure state

Star Bank (FDIC Cert #5095) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,778 of 4,307. Tier 1 capital prints at 10.23%, clearing the 10% well-capitalized line. The Texas Ratio is 24.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $465M, 1,896th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of St. Ignace (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Star Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Star Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Star Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Star Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Star Bank's composite health score
Tier 1 Capital Ratio (10.23%) 28/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (24.83%) 10/20
Efficiency Ratio (61.10%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$465M

Total balance-sheet footings

Total Deposits

$404M

Customer-funded liabilities

Net Loans

$366M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.83% 10.23% 11.63%
Basel III capital ratios - Star Bank

Where Star Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Star Bank's score of 60/100 falls in the highlighted band.

Star Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Star Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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). Star Bank's $465M falls in the highlighted band.

Capital & credit buffers at Star Bank

Tier 1 capital ratio
Well-capitalized 10%

10.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.23%
Texas Ratio
24.83%
Equity Capital
$44M

What these ratios mean →

Profitability metrics: Star Bank

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
8.19%
Efficiency Ratio
61.10%

What these mean →

Income & expense at Star Bank

$28M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Star Bank reports a Texas Ratio of 24.83% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

24.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Star Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($465M here), outside Minnesota so the neighborhood is not state containment.

The First National Bank of Russell Sp… $465M · KY Wallkill Valley Federal Savings and L… $465M · NY Northwestern Mutual Wealth Management $465M · WI Lake-Osceola State Bank $466M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Star Bank (FDIC Cert #5095) - 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.

Star Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%