Star Bank

Maple Lake, MN · Cert 5095 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Midwest Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$445.8MAssets

$357.2MLoans

$384.6MDeposits

$44.2MEquity

Executive Summary

Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 3 of 53).
Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 51 of 53).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.43%

Rank 48 of 53

Net Interest Margin

4.87%

Rank 3 of 53

Efficiency Ratio

62.45%

Rank 24 of 53

Equity / Assets

9.91%

Rank 21 of 53

Unfavorable gap of $13.3M · efficiency ratio beats 57% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.43%	0.73%	1.11%	1.30%	Beats 9%	48 / 53
Return on Equity	4.36%	7.88%	12.20%	14.12%	Beats 8%	49 / 53
Net Interest Margin	4.87%	3.39%	3.77%	4.09%	Beats 94%	3 / 53
Efficiency Ratio	62.45%	56.05%	65.05%	71.57%	Beats 57%	24 / 53
Asset Quality
Nonperforming Loans / Loans	2.07%	0.14%	0.52%	1.20%	Beats 17%	45 / 53
Net Charge-Offs / Loans	0.97%	0.00%	0.01%	0.08%	Beats 6%	51 / 53
Capital
Tier 1 Capital Ratio	10.73%	10.73%	12.98%	15.08%	Beats 25%	40 / 53
Total Risk-Based Capital Ratio	11.75%	11.49%	13.79%	16.34%	Beats 30%	37 / 53
Equity / Assets	9.91%	8.08%	9.25%	10.72%	Beats 60%	21 / 53
Liquidity & Funding
Loans / Deposits	92.88%	72.13%	82.29%	93.80%	68th pctl	17 / 53
Loans / Assets	80.14%	63.64%	71.80%	79.37%	77th pctl	12 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution