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Starion Bank

Bismarck, ND · Cert 33758 · Starion Bcorp

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

31

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

Starion Bank

Bismarck, ND · Cert 33758 · Starion Bcorp

State charter, non-member · FDIC · 16 branches

Q2 2026

$2.1BAssets
$1.3BLoans
$1.8BDeposits
$176.1MEquity
Loan mix
81%RE $901.4M17%C&I $189.7M2%Consumer $25.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $1.5B15%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Bismarck, ND · 2026 SOD (annual) · 18.6% share · #1 of 18 inst. · $1.3B of $6.9B

14.2% Burleigh
38.1% Morton
1.6% Cass
67.0% Dickey

Executive Summary

  • Earnings: ROA of 0.89%, up 21 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 1.45% of loans (+123 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.45%, up 62 bps from a year ago.
  • Funding: loans stand at 70.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+56 bps YoY

Efficiency Ratio (YTD, annualized)

65.38%-319 bps YoY

Tier 1 Leverage Ratio

9.45%+62 bps YoY

NIM

4.34%Q2 ’244.46%Q2 ’254.56%Q2 ’26+19%+25%

Non-interest income vs. expense

1.87%Q2 ’241.94%Q2 ’252.27%Q2 ’26-10%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.30%0.61%0.68%0.69%0.63%0.87%0.89%+21 bps
Return on Equity3.80%4.12%8.92%9.77%9.40%8.43%10.45%10.73%+96 bps
Net Interest Margin1.91%1.89%2.20%2.23%2.43%2.42%2.77%2.79%+56 bps
Efficiency Ratio83.42%82.70%70.24%68.56%68.21%69.01%65.50%65.38%-319 bps
Non-Interest Burden1.52%1.49%1.37%1.34%1.45%1.45%1.57%1.58%+24 bps
Growth
Asset Growth (YoY)1.29%7.79%16.49%11.72%7.65%2.41%-1.92%0.65%-1,107 bps
Loan Growth (YoY)3.40%-0.95%-3.52%-2.64%-0.85%4.24%6.80%5.47%+811 bps
Deposit Growth (YoY)1.22%11.43%16.67%16.26%12.95%6.44%1.19%3.54%-1,272 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.35%0.32%0.22%0.18%0.90%0.98%1.45%+123 bps
Net Charge-Offs / Loans0.07%0.12%-0.02%0.00%0.08%0.00%-0.06%0.00%0 bps
Allowance / Loans1.37%1.33%1.36%1.37%1.36%1.45%1.47%1.51%+13 bps
Allowance Coverage of NPLs4.4x3.8x4.2x6.2x7.6x1.6x1.5x1.0x-5.1x
Capital
Tier 1 Leverage Ratio9.74%9.38%9.10%8.83%9.47%9.42%9.48%9.45%+62 bps
Total Risk-Based Capital14.43%14.51%14.94%14.99%15.07%15.04%15.11%15.29%+30 bps
Equity / Assets7.97%6.82%6.80%7.29%8.34%8.36%8.26%8.39%+111 bps
Liquidity & Funding
Loans / Deposits81.32%72.42%66.19%69.17%71.38%70.93%69.86%70.47%+129 bps
Liquid Assets / Assets0.92%10.01%16.45%12.48%8.74%10.19%11.69%9.20%-329 bps
CRE / Total Capitaln/an/an/an/a294%311%310%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

Starion Bank

Bismarck, ND · Cert 33758 · Peer group: banks $1B-$10B in assets (n=322-328) · Starion Bcorp

State charter, non-member · FDIC · 16 branches

Q2 2026

$2.1BAssets
$1.3BLoans
$1.8BDeposits
$176.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 66% of banks $1B-$10B in assets (rank 113 of 328).
  • Widest gap: equity / assets trails 90% of banks $1B-$10B in assets (rank 294 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.90%

Rank 251 of 328

Net Interest Margin

2.79%

Rank 283 of 328

Efficiency Ratio

65.39%

Rank 227 of 328

Equity / Assets

8.39%

Rank 294 of 328

Non-interest income vs. expense

$15.0M$49.0MINCOMEEXPENSE
Unfavorable gap of $34.0M · efficiency ratio beats 31% of banks $1B-$10B in assets
Bank 65.39%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.91%1.22%1.52%Beats 23%251 / 328
Return on Equity10.67%8.43%11.45%14.43%Beats 43%187 / 328
Net Interest Margin2.79%3.03%3.45%3.83%Beats 14%283 / 328
Efficiency Ratio65.39%51.61%59.56%67.53%Beats 31%227 / 328
Asset Quality
Nonperforming Loans / Loans1.45%0.24%0.51%1.03%Beats 16%271 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 52%155 / 322
Capital
Tier 1 Capital Ratio14.03%11.75%13.15%15.47%Beats 63%122 / 328
Total Risk-Based Capital Ratio15.29%12.63%14.15%16.46%Beats 66%113 / 328
Equity / Assets8.39%9.15%10.33%12.01%Beats 10%294 / 328
Liquidity & Funding
Loans / Deposits70.47%76.63%87.92%95.36%15th pctl273 / 323
Loans / Assets61.20%65.18%74.15%79.98%20th pctl264 / 328
Brokered Deposits / Depositsn/aNot reported for this institution