TellerScore

BankStar Financial is a state-chartered bank headquartered in Elkton, South Dakota, in business for about 100 years. At the end of Q2 2026 it reported $363.5M in total assets and $302.1M in deposits, with 3 offices.

BankStar Financial has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 33rd. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (44/100, 9.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.42%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 93.2% · 27.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the earnings component improved by 11 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202461
Q1 202566
Q2 202567
Q3 202567
Q4 202571
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.21%9.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.80%
Q3 20248.55%
Q4 20248.57%
Q1 20258.94%
Q2 20259.07%
Q3 20259.28%
Q4 20259.28%
Q1 20269.32%
Q2 20269.42%
Noncurrent loans
0.03%0.22%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.40%
Q4 20240.11%
Q1 20250.13%
Q2 20250.21%
Q3 20250.34%
Q4 20250.10%
Q1 20260.03%
Q2 20260.14%
Return on assets
0.62%1.07%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.65%
Q4 20240.62%
Q1 20251.11%
Q2 20251.24%
Q3 20251.29%
Q4 20251.36%
Q1 20261.25%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$363.5M9.42%0.14%1.53%93.2%
Q1 202670$357.8M9.32%0.03%1.25%91.4%
Q4 202571$350.4M9.28%0.10%1.36%92.1%
Q3 202567$338.8M9.28%0.34%1.29%93.6%
Q2 202567$328.1M9.07%0.21%1.24%94.3%
Q1 202566$333.7M8.94%0.13%1.11%94.8%
Q4 202461$328.5M8.57%0.11%0.62%96.3%
Q3 202459$329.0M8.55%0.40%0.65%94.7%
Q2 202460$310.7M8.80%0.37%0.67%99.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.42%
20th
Total risk-based capital13.08%
57th
Problem loans0.14%
70th
Net charge-offs0.00%
59th
Return on assets1.53%
67th
Net interest margin3.99%
53rd
Efficiency ratio55.4%
71st
Loans to deposits93.2%
20th
Uninsured deposits27.3%
37th
Loan-loss reserves1.06%
33rd
Texas ratio1.0%
69th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Rivers Edge BankBank Marion, SD68 out of 100, Moderate$357.1M8.3%0.16%vs
Frontier BankBank Sioux Falls, SD67 out of 100, Moderate$349.2M8.8%0.00%vs
Security Bank MidwestBank Tyndall, SD66 out of 100, Moderate$304.1M10.5%0.40%vs
One American BankBank Centerville, SD40 out of 100, Below average$285.2M8.3%1.56%vs
First National Bank in PhilipBank Philip, SD87 out of 100, Very strong$458.4M12.1%0.00%vs
Commercial State Bank, of WagnerBank Wagner, SD66 out of 100, Moderate$260.4M11.8%2.29%vs

Deposit insurance

Is my money safe at BankStar Financial?

Yes. BankStar Financial is an FDIC-insured institution (FDIC certificate #496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($82.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.08% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

BankStar Financial lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
BankStar Financial
Former names
Corn Exchange Bank
Type
State-chartered bank
FDIC certificate #
496
RSSD ID
109453
Primary regulator
FDIC
Holding company
Elkton Holding Co
Established
March 20, 1926
Headquarters
124 Elk St, Elkton, SD 57026
Employees
42

Quick answers

BankStar Financial: common questions

Is BankStar Financial FDIC insured?

Yes. BankStar Financial is an FDIC-insured institution (FDIC certificate #496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankStar Financial's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BankStar Financial ever failed?

There is no failure record for FDIC certificate #496 in the FDIC failed bank list.

How many branches does BankStar Financial have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elkton

InstitutionScoreAssetsCapitalProblem loansCompare
First Security Bank - CanbyBank Canby, MN97 out of 100, Very strong$85.2M14.1%0.08%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
Dakotaland Federal Credit UnionCredit union Huron, SD76 out of 100, Strong$751.6M10.9%0.57%vs
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs
First Bank & TrustBank Brookings, SD70 out of 100, Strong$4.8B10.4%0.42%vs
First Farmers & Merchants National BankBank Luverne, MN70 out of 100, Strong$242.6M11.6%0.85%vs