North Star Bank
Roseville, MN · Cert 16733 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)
State charter, non-member · FDIC · 2 branches
Q2 2026
$378.7MAssets
$245.8MLoans
$340.8MDeposits
$36.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 62% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 20 of 53).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 49 of 53).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 20 of 53
Net Interest Margin
3.70%
Rank 30 of 53
Efficiency Ratio
62.39%
Rank 23 of 53
Equity / Assets
9.60%
Rank 26 of 53
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 58% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.73% | 1.11% | 1.30% | Beats 62% | 20 / 53 | | |
| Return on Equity | 12.20% | 7.88% | 12.20% | 14.12% | Beats 49% | 27 / 53 | | |
| Net Interest Margin | 3.70% | 3.39% | 3.77% | 4.09% | Beats 43% | 30 / 53 | | |
| Efficiency Ratio | 62.39% | 56.05% | 65.05% | 71.57% | Beats 58% | 23 / 53 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.14% | 0.52% | 1.20% | Beats 32% | 37 / 53 | | |
| Net Charge-Offs / Loans | 0.47% | 0.00% | 0.01% | 0.08% | Beats 9% | 49 / 53 | | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 10.73% | 12.98% | 15.08% | Beats 30% | 37 / 53 | | |
| Total Risk-Based Capital Ratio | 11.00% | 11.49% | 13.79% | 16.34% | Beats 17% | 44 / 53 | | |
| Equity / Assets | 9.60% | 8.08% | 9.25% | 10.72% | Beats 51% | 26 / 53 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.13% | 72.13% | 82.29% | 93.80% | 25th pctl | 40 / 53 | | |
| Loans / Assets | 64.91% | 63.64% | 71.80% | 79.37% | 28th pctl | 38 / 53 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |