STAR Financial Bank
STAR Financial Bank reported total assets of $3.2 bn at Q2 2026, up 7.0% on a year earlier, the 393rd largest of 497 banks in our US coverage. The CET1 capital ratio at STAR Financial Bank was 14.27%, and the uninsured share of STAR Financial Bank was 46.80%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, STAR Financial Bank slipped from 133rd to 172nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- STAR Financial Bank reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 64.18% at , where the median of the 339 banks is 88.61% (FDIC Call Reports).
What sets STAR Financial Bank apart
How large is STAR Financial Bank?
The balance sheet of STAR Financial Bank at : assets $3.2 bn, deposits $2.8 bn, net loans $1.8 bn (loans equal to 64.18% of deposits). Securities make up 29.1% of total assets at STAR Financial Bank. Since , when STAR Financial Bank held $1.8 bn, its assets grew 81.2%. In the year to , deposits at STAR Financial Bank rose 7.6% while its total assets rose 7.0%. At , STAR Financial Bank employed 446 full-time equivalent staff across 37 offices, about $7.2 mn of assets per employee and $76.9 mn of deposits per office.
How much funding at STAR Financial Bank is uninsured?
At STAR Financial Bank, uninsured deposits (above the FDIC limit) made up 46.80% of domestic deposits at (+2.80 pp on a year earlier); STAR Financial Bank ranks 110th of 500 on this measure. In dollars, STAR Financial Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.8 bn | +7.6% | 377th of 499 |
| Net loans and leases | $1.8 bn | +3.2% | 461st of 500 |
| Loan-to-deposit ratio | 64.18% | -2.76 pp | 444th of 500 |
| Tier 1 leverage ratio | 10.33% | +0.12 pp | 249th of 500 |
| Total risk-based capital ratio | 15.21% | +0.60 pp | 157th of 448 |
| Net interest margin | 3.29% | +0.08 pp | 349th of 500 |
| Return on assets (ROA) | 1.01% | +0.15 pp | 379th of 500 |
| Efficiency ratio | 67.69% | -3.29 pp | 416th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $61.3 mn | Narrowed by $20.3 mn | |
| Noncurrent loans to total loans | 0.46% | +0.15 pp | 172nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.01 pp | 134th of 500 (1 = lowest) |
US rank of STAR Financial Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
STAR Financial Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.8bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of STAR Financial Bank stood at 14.27% in , +0.57 pp year on year. Low and high at STAR Financial Bank since : 11.92% () to 14.27% (). Equity capital of STAR Financial Bank at : $298.7 mn, or 9.2% of total assets. STAR Financial Bank also reported a total capital ratio of 15.21% for , and a tier 1 leverage ratio of 10.33%.
The available-for-sale portfolio of STAR Financial Bank showed an unrealized loss of $61.3 mn at ; the loss narrowed by $20.3 mn over the year.
STAR Financial Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 10%
STAR Financial Bank: unrealized securities gains and losses
- Available for sale -$61mn
- Held to maturity $0
Profitability and loan quality
For the year to , STAR Financial Bank earned a return on equity of 11.15%; return on assets: 1.01%. Net interest margin at STAR Financial Bank: 3.29%, +0.08 pp in a year. STAR Financial Bank net income: $16.3 mn, up 26.5% year on year. The efficiency ratio of STAR Financial Bank was 67.69%: about 68 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.46% of total loans at STAR Financial Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at STAR Financial Bank: $1.8 bn, up 3.2% in a year.
STAR Financial Bank: profitability
- Return on equity 11%
- Net interest margin 3.3%
- Return on assets 1.0%
Peer group of STAR Financial Bank
The peer group of STAR Financial Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of STAR Financial Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Indiana. Against them, STAR Financial Bank shows CET1 ratio 14.27% against a peer median of 14.01%, return on equity 11.15% against a peer median of 9.00% and uninsured deposit share 46.80% against a peer median of 42.08%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Georgia Banking Company | State nonmember bank | GA | $3.3 bn | 11.83% | 10.81% | 44.10% | |
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
. FDIC Call Reports.
Last eight quarters
Two years at STAR Financial Bank, to : assets +8.3%, deposits +9.0%, equity +14.9%. Staff 456 to 446.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.2 bn |
| Total deposits | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn |
| Bank equity capital | $260.1 mn | $245.3 mn | $255.9 mn | $264.2 mn | $275.7 mn | $290.3 mn | $289.2 mn | $298.7 mn |
| CET1 ratio | 13.92% | 13.52% | 13.47% | 13.70% | 13.63% | 13.64% | 13.85% | 14.27% |
| Return on equity (ROE) | 11.98% | 11.19% | 9.76% | 10.11% | 9.64% | 11.58% | 11.48% | 11.15% |
| Uninsured share of domestic deposits | 41.69% | 43.41% | 41.69% | 44.01% | 45.29% | 46.21% | 44.85% | 46.80% |
| Full-time equivalent employees | 456 | 455 | 450 | 450 | 450 | 451 | 447 | 446 |
| Number of offices | 37 | 37 | 37 | 37 | 37 | 37 | 37 | 37 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by STAR Financial Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of STAR Financial Bank?
STAR Financial Bank reported $3.2 bn at in its Call Report. That makes STAR Financial Bank the 393rd largest of 497 banks in our US coverage.
Is STAR Financial Bank the same as its holding company?
No. This page covers STAR Financial Bank, FDIC certificate 27235; STAR FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is STAR Financial Bank profitable?
STAR Financial Bank reported net income of $16.3 mn for the year to ; annualized return on equity: 11.15%. So yes: STAR Financial Bank made a profit over these months.
When is data for STAR Financial Bank next updated?
Figures from STAR Financial Bank for are due after .
Where can I check the figures for STAR Financial Bank?
In the FDIC BankFind Suite record for certificate 27235, and in the Call Reports of STAR Financial Bank (RSSD ID 547840) at the FFIEC Central Data Repository.