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
Unfavorable gap of $58.6M · efficiency ratio beats 29% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.93% | 1.23% | 1.54% | Beats 32% | 175 / 258 | | |
| Return on Equity | 10.93% | 9.26% | 11.84% | 14.74% | Beats 43% | 146 / 258 | | |
| Net Interest Margin | 2.97% | 3.16% | 3.49% | 3.88% | Beats 17% | 213 / 258 | | |
| Efficiency Ratio | 67.69% | 51.71% | 60.30% | 69.65% | Beats 29% | 183 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.19% | 0.46% | 0.90% | Beats 50% | 130 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 62% | 100 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.27% | 11.41% | 12.98% | 15.12% | Beats 68% | 83 / 258 | | |
| Total Risk-Based Capital Ratio | 15.21% | 12.10% | 13.91% | 16.08% | Beats 68% | 82 / 258 | | |
| Equity / Assets | 9.25% | 9.09% | 10.24% | 11.72% | Beats 29% | 182 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.92% | 73.24% | 86.34% | 95.95% | 11th pctl | 230 / 258 | | |
| Loans / Assets | 57.17% | 63.01% | 72.27% | 78.40% | 13th pctl | 225 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |