Fort Wayne, IN · Cert 27235 · Star Financial Group Inc.
State charter, non-member · FDIC · 37 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 1.2% share · #14 of 49 inst. · $1.1B of $91.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.90% | 0.82% | 0.86% | 0.83% | 1.01% | 1.04% | 1.01% | +15 bps | |
| Return on Equity | 11.98% | 11.19% | 9.76% | 10.11% | 9.64% | 11.58% | 11.48% | 11.15% | +103 bps | |
| Net Interest Margin | 2.85% | 2.75% | 2.87% | 2.78% | 2.89% | 2.78% | 3.10% | 2.97% | +19 bps | |
| Efficiency Ratio | 69.79% | 71.59% | 71.93% | 70.98% | 71.44% | 71.80% | 67.02% | 67.69% | -329 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.85% | 1.75% | 1.83% | 1.78% | 1.82% | 1.76% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | -0.40% | 1.58% | 1.11% | 4.62% | 8.84% | 7.61% | 7.00% | +589 bps | |
| Loan Growth (YoY) | -0.87% | 4.49% | 8.36% | 5.63% | 9.61% | 8.29% | 4.32% | 3.24% | -239 bps | |
| Deposit Growth (YoY) | 2.95% | 1.93% | 2.43% | 0.71% | 4.68% | 9.01% | 8.29% | 7.64% | +694 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.22% | 0.31% | 0.31% | 0.47% | 0.51% | 0.55% | 0.46% | +15 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.05% | 0.03% | 0.05% | -0.42% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 1.12% | 1.06% | 1.07% | 1.10% | 1.05% | 1.09% | 1.12% | 1.13% | +3 bps | |
| Allowance Coverage of NPLs | 4.1x | 4.8x | 3.4x | 3.6x | 2.2x | 2.2x | 2.0x | 2.5x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 10.17% | 10.58% | 10.22% | 10.64% | 10.26% | 10.50% | 10.33% | +12 bps | |
| Total Risk-Based Capital | 14.84% | 14.41% | 14.36% | 14.61% | 14.51% | 14.57% | 14.78% | 15.21% | +60 bps | |
| Equity / Assets | 8.72% | 8.26% | 8.63% | 8.75% | 8.83% | 8.98% | 9.07% | 9.25% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.97% | 66.73% | 68.64% | 67.68% | 66.98% | 66.29% | 66.12% | 64.92% | -277 bps | |
| Liquid Assets / Assets | 1.61% | 0.45% | 0.71% | 2.33% | 4.91% | 6.71% | 6.58% | 7.72% | +539 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 235% | 244% | 243% | n/a | n/a | |