Bankstar Financial
Elkton, SD · Cert 496 · Peer group: banks under $1B in assets (n=570-617) · Elkton Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$363.5MAssets
$284.7MLoans
$302.1MDeposits
$34.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets (rank 122 of 617).
- Widest gap: tier 1 capital ratio trails 66% of banks under $1B in assets (rank 407 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.24%
Rank 217 of 617
Net Interest Margin
3.67%
Rank 267 of 617
Efficiency Ratio
55.43%
Rank 122 of 617
Equity / Assets
9.58%
Rank 399 of 617
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 80% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.60% | 1.01% | 1.45% | Beats 65% | 217 / 617 | |
| Return on Equity | 12.89% | 5.30% | 9.43% | 13.30% | Beats 72% | 175 / 617 | |
| Net Interest Margin | 3.67% | 3.04% | 3.54% | 4.05% | Beats 57% | 267 / 617 | |
| Efficiency Ratio | 55.43% | 58.03% | 67.76% | 79.08% | Beats 80% | 122 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.47% | 1.27% | Beats 71% | 166 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 192 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 11.18% | 13.83% | 18.55% | Beats 34% | 407 / 617 | |
| Total Risk-Based Capital Ratio | 13.08% | 11.56% | 14.39% | 19.39% | Beats 39% | 374 / 617 | |
| Equity / Assets | 9.58% | 9.03% | 10.55% | 13.63% | Beats 35% | 399 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 94.23% | 64.77% | 79.70% | 93.06% | 78th pctl | 129 / 582 | |
| Loans / Assets | 78.34% | 51.70% | 67.18% | 77.51% | 77th pctl | 142 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |