Star Bank
Maple Lake, Minnesota · FDIC Cert #5095
Star Bank is an FDIC-insured bank (Certificate #5095) with $437M in total assets and $389M in total deposits as of the Q2 2024 Call Report. Headquartered in Maple Lake, Minnesota, the bank maintains a Tier 1 capital ratio of 8.82% (Well-Capitalized) and a nonperforming loan ratio of 2.26%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Star Bank (FDIC cert 5095) is a community bank — $437M in total assets, $389M in deposits, serving the Maple Lake, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 8.82% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.26% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 16.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.76% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Star Bank carries a composite BankHealth grade of C (55/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Star Bank
- Total Assets
- $437M
- Total Deposits
- $389M
- Tier 1 Capital Ratio
- 8.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.26%
- Liquidity Ratio
- 16.16%
- Return on Assets
- 1.76%
- Headquarters
- Maple Lake, Minnesota
- FDIC Certificate
- #5095
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Star Bank holds a Tier 1 capital ratio of 8.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Star Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Star Bank shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Star Bank Compares
Star Bank’s Health Score of 55 is 18 points below the Minnesota state average of 73 across 225 FDIC-insured banks. Its 8.82% Tier 1 capital ratio is 5.2 points below the US banking industry average near 14%. The 2.26% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.76% is in line with or above the national ROA benchmark of ~1.1%. Among 1510 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Star Bank is 15 points below the portfolio average of 70.
Frequently Asked Questions
Star Bank has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 8.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Star Bank's Tier 1 capital ratio of 8.82% and nonperforming loan ratio of 2.26% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Star Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5095). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Star Bank holds $437M in total assets and $389M in total deposits. It is headquartered in Maple Lake, Minnesota (FDIC Certificate #5095).
Star Bank has a Tier 1 capital ratio of 8.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.26%, and the return on assets is 1.76%.
Yes. Star Bank is FDIC-insured (Certificate #5095). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Star Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.