Northstar Bank
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
$1.2BAssets
$996.3MLoans
$973.6MDeposits
$101.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 89% of banks $1B-$10B in assets (rank 38 of 322).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 326 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $22.7M · efficiency ratio beats 44% of banks $1B-$10B in assets | 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 |