FDIC Cert #27235 · Fort Wayne, Indiana · Est. 1988

STAR Financial Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$3.2B
Total assets
B
Health grade · Good
1.01%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

STAR Financial Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 13.64% Tier 1, profitable at 1.01% ROA, 72% efficiency ratio.

#398
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
13.64%
Tier 1 ratio - above the 10% well-capitalized line
43rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 27235 · IN B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2061/4307
  • PHOTO-FINISH St. Charles Bank & T… · IL
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 3.1% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: St. Charles Bank & Trust Company, National Association, IL (±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 Financial Bank

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

Morgan Stanley Bank,… · UT ·…100/100American Federal Bank · ND ·…79/100American National Ba… · MN ·…79/100St. Charles Bank & T… · IL ·…79/100STAR Financial Bank · IN · t…79/100The Bankers Bank · OK · near79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around STAR Financial Bank · July 2026

What STAR Financial Bank's Call Report plate shows

STAR Financial Bank (FDIC Cert #27235) carries a PlainBankData health grade of B at 79/100, 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 #2,061 of 4,307. Tier 1 capital prints at 13.64%, clearing the 10% well-capitalized line. The Texas Ratio is 3.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $3.2B, 398th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is St. Charles Bank & Trust Company, National Association (IL), 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 Financial Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

STAR Financial Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; STAR Financial Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

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

How STAR Financial Bank's 79/100 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 avg77/10079/100
STAR Financial Bank's composite health score
Tier 1 Capital Ratio (13.64%) 35/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (3.07%) 20/20
Efficiency Ratio (71.80%) 4/15

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

Balance sheet at a glance

Total Assets

$3.2B

Total balance-sheet footings

Total Deposits

$2.8B

Customer-funded liabilities

Net Loans

$1.9B

Outstanding loan book

Net Income

$31M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.24% 13.64% 15.04%
Basel III capital ratios - STAR Financial Bank

Where STAR Financial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. STAR Financial Bank's score of 79/100 falls in the highlighted band.

STAR Financial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. STAR Financial 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 Financial 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 Financial Bank's $3.2B falls in the highlighted band.

Safety ratios for STAR Financial Bank

Tier 1 capital ratio
Well-capitalized 10%

13.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.64%
Texas Ratio
3.07%
Equity Capital
$290M

What these ratios mean →

Earnings posture at STAR Financial Bank

Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
11.58%
Efficiency Ratio
71.80%

What these mean →

Income & expense at STAR Financial Bank

$146M
Interest Income
$25M
Non-Interest Income
$83M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. STAR Financial Bank reports a Texas Ratio of 3.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View STAR Financial Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.2B here), outside Indiana so the neighborhood is not state containment.

TruNorth Bank $3.2B · MA First Dakota National Bank $3.2B · SD Austin Bank, Texas $3.2B · TX First Community Bank $3.2B · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) STAR Financial Bank (FDIC Cert #27235) - 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 Financial Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%