Bad Axe, MI · Cert 57097 · Northstar Financial Group Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
62
Profitability
69
Liquidity
0
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bad Axe, MI · Cert 57097 · Northstar Financial Group Inc.
State charter, Fed member · FED · 2 affiliate banks · 10 branches (27 in holding)
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.2% share · #17 of 37 inst. · $0.4B of $183.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.28% | 1.38% | 1.13% | 1.23% | 1.31% | 1.28% | 1.30% | +16 bps | |
| Return on Equity | 13.66% | 14.78% | 15.90% | 13.00% | 14.15% | 15.19% | 15.04% | 15.12% | +213 bps | |
| Net Interest Margin | 3.57% | 3.55% | 3.71% | 3.74% | 3.74% | 3.65% | 3.66% | 3.70% | -3 bps | |
| Efficiency Ratio | 60.48% | 59.69% | 60.92% | 58.98% | 58.23% | 57.89% | 61.21% | 61.39% | +241 bps | |
| Non-Interest Burden | 1.90% | 1.86% | 1.93% | 1.84% | 1.82% | 1.76% | 1.92% | 1.98% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 6.36% | 4.44% | 6.69% | 8.75% | 11.71% | 10.58% | 11.40% | +471 bps | |
| Loan Growth (YoY) | 9.18% | 10.01% | 11.74% | 10.71% | 12.13% | 11.53% | 12.00% | 11.97% | +125 bps | |
| Deposit Growth (YoY) | 8.08% | 5.55% | 2.72% | -1.93% | 1.70% | 4.01% | 8.09% | 13.05% | +1,498 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.15% | 1.16% | 1.31% | 1.06% | 1.15% | 0.95% | 0.65% | 0.80% | -26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.49% | 0.30% | 0.23% | 0.00% | -0.02% | -50 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.26% | 1.28% | 1.27% | 1.29% | 1.33% | 1.33% | +6 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.0x | 1.2x | 1.1x | 1.4x | 2.1x | 1.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 8.99% | 9.31% | 9.34% | 9.36% | 8.73% | 8.90% | 9.11% | -23 bps | |
| Total Risk-Based Capital | 9.64% | 8.99% | 9.31% | 9.34% | 9.36% | 8.73% | 8.90% | 9.11% | -23 bps | |
| Equity / Assets | 8.93% | 8.42% | 8.89% | 8.87% | 8.71% | 8.29% | 8.75% | 8.72% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.54% | 95.37% | 95.97% | 103.33% | 102.03% | 102.27% | 99.44% | 102.34% | -99 bps | |
| Liquid Assets / Assets | 1.61% | 0.56% | 0.56% | 0.44% | 0.76% | 1.49% | 0.62% | 1.04% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 507% | 557% | 540% | n/a | n/a | |
Bad Axe, MI · Cert 57097 · Peer group: banks $1B-$10B in assets (n=322-328) · Northstar Financial Group Inc.
State charter, Fed member · FED · 2 affiliate banks · 10 branches (27 in holding)
Q2 2026
Return on Assets
1.28%
Rank 140 of 328
Net Interest Margin
3.70%
Rank 99 of 328
Efficiency Ratio
61.39%
Rank 186 of 328
Equity / Assets
8.72%
Rank 272 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.91% | 1.22% | 1.52% | Beats 57% | 140 / 328 | ||
| Return on Equity | 14.70% | 8.43% | 11.45% | 14.43% | Beats 79% | 69 / 328 | ||
| Net Interest Margin | 3.70% | 3.03% | 3.45% | 3.83% | Beats 70% | 99 / 328 | ||
| Efficiency Ratio | 61.39% | 51.61% | 59.56% | 67.53% | Beats 44% | 186 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.24% | 0.51% | 1.03% | Beats 34% | 212 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 89% | 38 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.11% | 11.75% | 13.15% | 15.47% | Beats 1% | 325 / 328 | ||
| Total Risk-Based Capital Ratio | 9.11% | 12.63% | 14.15% | 16.46% | Beats 1% | 326 / 328 | ||
| Equity / Assets | 8.72% | 9.15% | 10.33% | 12.01% | Beats 17% | 272 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.34% | 76.63% | 87.92% | 95.36% | 92nd pctl | 27 / 323 | ||
| Loans / Assets | 85.79% | 65.18% | 74.15% | 79.98% | 94th pctl | 21 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||