PackageTrendsPeer
Letter portraitLegal landscape

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

Trailing 9 quarters, through Q2 2026

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 (100)

Efficiency

29

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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 2026-10-12

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