Bismarck, ND · Cert 33758 · Starion Bcorp
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 18.6% share · #1 of 18 inst. · $1.3B of $6.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.36% | 0.61% | 0.74% | 0.69% | 0.47% | 0.87% | 0.91% | +17 bps | |
| Return on Equity | 3.61% | 4.87% | 8.92% | 10.52% | 8.84% | 5.68% | 10.45% | 10.98% | +46 bps | |
| Net Interest Margin | 1.94% | 2.09% | 2.20% | 2.34% | 2.55% | 2.55% | 2.77% | 2.85% | +51 bps | |
| Efficiency Ratio | 84.14% | 80.79% | 70.24% | 67.04% | 67.54% | 71.14% | 65.50% | 65.26% | -178 bps | |
| Non-Interest Burden | 1.56% | 1.61% | 1.37% | 1.36% | 1.51% | 1.56% | 1.57% | 1.61% | +25 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 / Loans | 0.31% | 0.35% | 0.32% | 0.22% | 0.18% | 0.90% | 0.98% | 1.45% | +123 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.26% | -0.02% | 0.01% | 0.25% | -0.24% | -0.06% | 0.06% | +4 bps | |
| Allowance / Loans | 1.37% | 1.33% | 1.36% | 1.37% | 1.36% | 1.45% | 1.47% | 1.51% | +13 bps | |
| Allowance Coverage of NPLs | 4.4x | 3.8x | 4.2x | 6.2x | 7.6x | 1.6x | 1.5x | 1.0x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.38% | 9.10% | 8.83% | 9.47% | 9.42% | 9.48% | 9.45% | +62 bps | |
| Total Risk-Based Capital | 14.43% | 14.51% | 14.94% | 14.99% | 15.07% | 15.04% | 15.11% | 15.29% | +30 bps | |
| Equity / Assets | 7.97% | 6.82% | 6.80% | 7.29% | 8.34% | 8.36% | 8.26% | 8.39% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.32% | 72.42% | 66.19% | 69.17% | 71.38% | 70.93% | 69.86% | 70.47% | +129 bps | |
| Liquid Assets / Assets | 0.92% | 10.01% | 16.45% | 12.48% | 8.74% | 10.19% | 11.69% | 9.20% | -329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 311% | 310% | n/a | n/a | |