Headquartered in Roseville, Minnesota, North Star Bank is a state-chartered bank with $378.7M in total assets and $340.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1947.
Based on its Q2 2026 filing, North Star Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 95th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (60/100; 11.00%).
TellerScore · Q2 2026
Scorecard
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 fell 4 points (75 → 71), mostly because the loan quality component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 61 |
| Q2 2025 | 75 |
| Q3 2025 | 59 |
| Q4 2025 | 61 |
| Q1 2026 | 67 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.62% |
| Q3 2024 | 9.47% |
| Q4 2024 | 9.71% |
| Q1 2025 | 9.50% |
| Q2 2025 | 10.27% |
| Q3 2025 | 10.35% |
| Q4 2025 | 10.04% |
| Q1 2026 | 10.53% |
| Q2 2026 | 11.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.77% |
| Q1 2025 | -0.73% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $378.7M | 11.00% | 0.94% | 1.35% | 71.3% |
| Q1 2026 | 67 | $393.7M | 10.53% | 1.39% | 1.52% | 68.9% |
| Q4 2025 | 61 | $406.8M | 10.04% | 1.40% | 1.07% | 66.8% |
| Q3 2025 | 59 | $401.4M | 10.35% | 1.81% | 1.11% | 68.8% |
| Q2 2025 | 75 | $385.1M | 10.27% | 0.00% | 1.05% | 73.3% |
| Q1 2025 | 61 | $380.1M | 9.50% | 0.00% | -0.73% | 72.8% |
| Q4 2024 | 71 | $376.6M | 9.71% | 0.00% | 0.77% | 73.7% |
| Q3 2024 | 69 | $392.2M | 9.47% | 0.00% | 0.60% | 70.1% |
| Q2 2024 | 69 | $372.7M | 9.62% | 0.00% | 0.49% | 74.4% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| First Bank Elk RiverBank Elk River, MN | 64 out of 100, Moderate | $369.2M | 10.7% | 0.53% | vs |
| ProGrowth BankBank Nicollet, MN | 56 out of 100, Moderate | $364.8M | 7.1% | 0.00% | vs |
| Heritage Bank National AssociationBank Spicer, MN | 34 out of 100, Low | $361.1M | 10.8% | 3.84% | vs |
| The Citizens National Bank of Park RapidsBank Park Rapids, MN | 72 out of 100, Strong | $397.0M | 11.7% | 1.10% | vs |
| United Community BankBank Perham, MN | 49 out of 100, Below average | $359.3M | 10.5% | 2.95% | vs |
Deposit insurance
Is my money safe at North Star Bank?
Yes. North Star Bank is an FDIC-insured institution (FDIC certificate #16733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($74.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
North Star Bank lists 2 offices in 2 cities. Most locations:
- Roseville, MN (1)
- White Bear Lake, MN (1)
Identity & history
Profile
- Legal name
- North Star Bank
- Former names
- North Star State Bank of Roseville; Falcon Heights State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16733
- RSSD ID
- 750051
- Primary regulator
- FDIC
- Established
- February 3, 1947
- Headquarters
- 1820 Lexington Ave N, Roseville, MN 55113
- Website
- www.northstarbank.com
- Employees
- 51
Quick answers
North Star Bank: common questions
Is North Star Bank FDIC insured?
Yes. North Star Bank is an FDIC-insured institution (FDIC certificate #16733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Star Bank'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 North Star Bank ever failed?
There is no failure record for FDIC certificate #16733 in the FDIC failed bank list.
How many branches does North Star Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roseville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |