Deland, FL · Cert 57598 · Northstar Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 9 branches (27 in holding)
Q2 2026
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 3.7% share · #7 of 20 inst. · $0.6B of $15.0B
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 | 0.62% | 0.67% | 0.86% | 0.62% | 0.79% | 0.80% | 0.90% | 1.06% | +45 bps | |
| Return on Equity | 8.45% | 9.09% | 11.08% | 7.91% | 10.05% | 9.93% | 10.51% | 12.28% | +437 bps | |
| Net Interest Margin | 2.88% | 2.95% | 3.23% | 3.23% | 3.19% | 3.17% | 3.46% | 3.51% | +28 bps | |
| Efficiency Ratio | 69.37% | 69.13% | 68.68% | 67.10% | 65.47% | 66.29% | 62.85% | 61.92% | -518 bps | |
| Non-Interest Burden | 1.89% | 1.94% | 2.00% | 1.97% | 1.90% | 1.92% | 1.98% | 1.98% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 7.52% | 9.63% | 9.66% | 10.65% | 9.48% | 9.66% | 7.69% | -197 bps | |
| Loan Growth (YoY) | 19.87% | 18.43% | 17.37% | 10.31% | 4.49% | 12.53% | 12.89% | 19.20% | +889 bps | |
| Deposit Growth (YoY) | 3.05% | 5.56% | 11.15% | 9.83% | 13.11% | 9.79% | 8.87% | 6.67% | -316 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 1.10% | 1.04% | 1.31% | 2.07% | 1.42% | 1.36% | 1.27% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.64% | 0.44% | 0.33% | 0.00% | -0.01% | -65 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.25% | 1.23% | 1.22% | 1.21% | 1.27% | 1.22% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.2x | 0.9x | 0.6x | 0.9x | 0.9x | 1.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 9.04% | 9.09% | 8.92% | 8.88% | 9.10% | 9.35% | 9.45% | +52 bps | |
| Total Risk-Based Capital | 8.86% | 9.04% | 9.09% | 8.92% | 8.88% | 9.10% | 9.35% | 9.45% | +52 bps | |
| Equity / Assets | 7.71% | 7.67% | 7.89% | 7.86% | 7.99% | 8.67% | 8.51% | 8.79% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.65% | 79.55% | 77.93% | 75.95% | 72.65% | 81.53% | 80.81% | 84.87% | +892 bps | |
| Liquid Assets / Assets | 1.72% | 1.51% | 1.21% | 1.49% | 1.90% | 1.09% | 1.28% | 1.41% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 445% | 483% | 499% | n/a | n/a | |