BlastPoint's Banking Scorecard
Star Bank
Micro
Specialty: Agricultural
MN
FDIC cert 5095
Designations: ✓ Community bank
Maple Lake, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Star Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.62% above tier
- - Nonperforming Asset Ratio 2.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$465.0M
+0.6% YoY
+2.1% QoQ
|
+$247.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$366.1M
-1.2% YoY
-1.1% QoQ
|
+$226.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$403.6M
+0.3% YoY
+2.1% QoQ
|
+$220.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.77%
-56.0% YoY
+7.7% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
4.71%
-0.7% YoY
+1.8% QoQ
|
+0.85% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
61.10%
+4.0% YoY
-2.2% QoQ
|
-6.63% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
3.26%
+44.6% YoY
-21.4% QoQ
|
+2.62% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
90.70%
-1.5% YoY
-3.2% QoQ
|
+16.17% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
23.64%
-5.3% YoY
-2.6% QoQ
|
+1.25% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
2.83%
+52.0% YoY
-23.3% QoQ
|
+2.37% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.23%
+2.6% YoY
+2.9% QoQ
|
+1.38% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.37%
-6.0% YoY
+32.4% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.26%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $366.1M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $403.6M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $465.0M · Tier avg: $217.5M
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%
64
64th pctile
Efficiency Ratio
Current: 61.10% · Tier avg: 67.73%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.64% · Tier avg: 22.39%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.23% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.70% · Tier avg: 74.53%
6
6th pctile
Delinquency Rate
Current: 3.26% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.83% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.83% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.26% · Tier avg: 0.64%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.70% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.23% · Tier avg: 8.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.64% · Tier avg: 22.39%
64
64th pctile
Efficiency Ratio
Current: 61.10% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%
96
96th pctile
Total Assets
Current: $465.0M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $403.6M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $366.1M · Tier avg: $139.2M