Northstar Bank
Estherville, IA · Cert 34407 · Peer group: banks under $1B in assets in IA (n=134-135) · Van Diest Investment Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (11 in holding)
Q2 2026
$203.4MAssets
$135.3MLoans
$168.1MDeposits
$34.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: return on equity trails 78% of banks under $1B in assets in IA (rank 105 of 135).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.30%
Rank 59 of 135
Net Interest Margin
3.11%
Rank 89 of 135
Efficiency Ratio
52.05%
Rank 43 of 135
Equity / Assets
16.80%
Rank 11 of 135
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 69% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.92% | 1.19% | 1.47% | Beats 56% | 59 / 135 | |
| Return on Equity | 7.74% | 7.99% | 10.26% | 13.14% | Beats 22% | 105 / 135 | |
| Net Interest Margin | 3.11% | 2.95% | 3.41% | 3.73% | Beats 34% | 89 / 135 | |
| Efficiency Ratio | 52.05% | 50.61% | 57.35% | 63.29% | Beats 69% | 43 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 84% | 22 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 16.72% | 11.23% | 13.31% | 15.45% | Beats 83% | 23 / 135 | |
| Total Risk-Based Capital Ratio | 17.66% | 11.61% | 14.06% | 16.47% | Beats 82% | 24 / 135 | |
| Equity / Assets | 16.80% | 9.87% | 11.05% | 13.07% | Beats 92% | 11 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 80.46% | 68.54% | 81.55% | 91.24% | 47th pctl | 71 / 134 | |
| Loans / Assets | 66.51% | 57.61% | 68.06% | 76.23% | 47th pctl | 72 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |