Bankstar Financial
Elkton, SD · Cert 496 · Peer group: banks under $1B in assets (n=581-629) · 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 124 of 629).
- Widest gap: equity / assets trails 66% of banks under $1B in assets (rank 416 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.24%
Rank 219 of 629
Net Interest Margin
3.67%
Rank 273 of 629
Efficiency Ratio
55.43%
Rank 124 of 629
Equity / Assets
9.58%
Rank 416 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.60% | 1.01% | 1.45% | Beats 65% | 219 / 629 | | |
| Return on Equity | 12.89% | 5.38% | 9.30% | 13.28% | Beats 72% | 175 / 629 | | |
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 57% | 273 / 629 | | |
| Efficiency Ratio | 55.43% | 58.35% | 67.79% | 79.08% | Beats 80% | 124 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.46% | 1.20% | Beats 71% | 171 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 195 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 11.24% | 13.84% | 18.77% | Beats 34% | 418 / 629 | | |
| Total Risk-Based Capital Ratio | 13.08% | 11.58% | 14.43% | 19.66% | Beats 39% | 383 / 629 | | |
| Equity / Assets | 9.58% | 9.09% | 10.65% | 13.80% | Beats 34% | 416 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.23% | 67.24% | 80.90% | 93.48% | 77th pctl | 137 / 594 | | |
| Loans / Assets | 78.34% | 53.31% | 67.71% | 78.15% | 76th pctl | 153 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |