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Star Financial Bank

Fort Wayne, IN · Cert 27235 · Star Financial Group Inc.

State charter, non-member · FDIC · 37 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Star Financial Bank

Fort Wayne, IN · Cert 27235 · Star Financial Group Inc.

State charter, non-member · FDIC · 37 branches

Q2 2026

$3.2BAssets
$1.8BLoans
$2.8BDeposits
$298.7MEquity
Loan mix
75%RE $1.3B23%C&I $0.4B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $2.0B28%Noninterest $0.8BQ2 2025Q2 2026

NIM

4.51%Q2 ’244.47%Q2 ’254.49%Q2 ’26+2%+7%

Non-interest income vs. expense

2.51%Q2 ’242.52%Q2 ’252.52%Q2 ’26+16%+1%

Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 1.2% share · #14 of 49 inst. · $1.1B of $91.8B

7.4% Allen
21.8% Madison
0.9% Marion
27.2% Grant

Executive Summary

  • Earnings: ROA of 1.01%, up 15 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.46% of loans (+15 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.33%, up 12 bps from a year ago.
  • Funding: loans stand at 64.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+19 bps YoY

Efficiency Ratio (YTD, annualized)

67.69%-329 bps YoY

Tier 1 Leverage Ratio

10.33%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.83%1.01%1.04%1.01%+15 bps
Return on Equity10.11%9.64%11.58%11.48%11.15%+103 bps
Net Interest Margin2.78%2.89%2.78%3.10%2.97%+19 bps
Efficiency Ratio70.98%71.44%71.80%67.02%67.69%-329 bps
Non-Interest Burden1.75%1.83%1.78%1.82%1.76%+1 bps
Growth
Asset Growth (YoY)1.11%4.62%8.84%7.61%7.00%+589 bps
Loan Growth (YoY)5.63%9.61%8.29%4.32%3.24%-239 bps
Deposit Growth (YoY)0.71%4.68%9.01%8.29%7.64%+694 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.47%0.51%0.55%0.46%+15 bps
Net Charge-Offs / Loans0.03%0.05%-0.42%0.02%0.02%-1 bps
Allowance / Loans1.10%1.05%1.09%1.12%1.13%+3 bps
Allowance Coverage of NPLs3.6x2.2x2.2x2.0x2.5x-1.1x
Capital
Tier 1 Leverage Ratio10.22%10.64%10.26%10.50%10.33%+12 bps
Total Risk-Based Capital14.61%14.51%14.57%14.78%15.21%+60 bps
Equity / Assets8.75%8.83%8.98%9.07%9.25%+50 bps
Liquidity & Funding
Loans / Deposits67.68%66.98%66.29%66.12%64.92%-277 bps
Liquid Assets / Assets2.33%4.91%6.71%6.58%7.72%+539 bps
CRE / Total Capitaln/a235%244%243%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Star Financial Bank

Fort Wayne, IN · Cert 27235 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Star Financial Group Inc.

State charter, non-member · FDIC · 37 branches

Q2 2026

$3.2BAssets
$1.8BLoans
$2.8BDeposits
$298.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 68% of banks $1B-$10B in assets operating in a single state (rank 83 of 258).
  • Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating in a single state (rank 213 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.01%

Rank 175 of 258

Net Interest Margin

2.97%

Rank 213 of 258

Efficiency Ratio

67.69%

Rank 183 of 257

Equity / Assets

9.25%

Rank 182 of 258

Non-interest income vs. expense

$25.5M$84.2MINCOMEEXPENSE
Unfavorable gap of $58.6M · efficiency ratio beats 29% of banks $1B-$10B in assets operating in a single state
Bank 67.69%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.93%1.23%1.54%Beats 32%175 / 258
Return on Equity10.93%9.26%11.84%14.74%Beats 43%146 / 258
Net Interest Margin2.97%3.16%3.49%3.88%Beats 17%213 / 258
Efficiency Ratio67.69%51.71%60.30%69.65%Beats 29%183 / 257
Asset Quality
Nonperforming Loans / Loans0.46%0.19%0.46%0.90%Beats 50%130 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 62%100 / 258
Capital
Tier 1 Capital Ratio14.27%11.41%12.98%15.12%Beats 68%83 / 258
Total Risk-Based Capital Ratio15.21%12.10%13.91%16.08%Beats 68%82 / 258
Equity / Assets9.25%9.09%10.24%11.72%Beats 29%182 / 258
Liquidity & Funding
Loans / Deposits64.92%73.24%86.34%95.95%11th pctl230 / 258
Loans / Assets57.17%63.01%72.27%78.40%13th pctl225 / 258
Brokered Deposits / Depositsn/aNot reported for this institution