TellerScore

Northstar Bank (FDIC certificate #57097) is based in Bad Axe, Michigan. Its Q2 2026 call report shows $1.2B in total assets and $973.6M in deposits and 11 offices.

Based on its Q2 2026 filing, Northstar Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 56th. Its strongest component is problem-loan coverage (77/100; 11.5%), and its lowest is capital cushion (41/100; 9.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.11%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 101.0% · 28.4% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.51%

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 2 points (57 → 59), mostly because the loan quality component improved by 8 points.

TellerScore
575960Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202457
Q1 202558
Q2 202557
Q3 202557
Q4 202557
Q1 202660
Q2 202659
Tier 1 leverage ratio
5.00%7.32%9.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.42%
Q3 20249.64%
Q4 20248.99%
Q1 20259.31%
Q2 20259.34%
Q3 20259.36%
Q4 20258.73%
Q1 20268.90%
Q2 20269.11%
Noncurrent loans
0.65%0.98%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.93%
Q3 20241.15%
Q4 20241.16%
Q1 20251.31%
Q2 20251.06%
Q3 20251.15%
Q4 20250.95%
Q1 20260.65%
Q2 20260.80%
Return on assets
1.11%1.24%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.19%
Q4 20241.28%
Q1 20251.38%
Q2 20251.13%
Q3 20251.23%
Q4 20251.31%
Q1 20261.28%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.2B9.11%0.80%1.30%101.0%
Q1 202660$1.1B8.90%0.65%1.28%98.1%
Q4 202557$1.1B8.73%0.95%1.31%100.9%
Q3 202557$1.1B9.36%1.15%1.23%100.7%
Q2 202557$1.0B9.34%1.06%1.13%102.0%
Q1 202558$1.0B9.31%1.31%1.38%94.8%
Q4 202457$1.0B8.99%1.16%1.28%94.2%
Q3 202459$1.0B9.64%1.15%1.19%91.4%
Q2 202460$977.2M9.42%0.93%1.11%90.4%

897 peers · $1 billion – $10 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 ratio9.11%
15th
Total risk-based capital0.00%
13th
Problem loans0.80%
34th
Net charge-offs-0.02%
96th
Return on assets1.30%
54th
Net interest margin3.97%
67th
Efficiency ratio61.4%
42nd
Loans to deposits101.0%
12th
Uninsured deposits28.4%
57th
Loan-loss reserves1.33%
74th
Texas ratio11.5%
13th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
West Michigan Community BankBank Hudsonville, MI53 out of 100, Below average$1.2B9.2%1.40%vs
University BankBank Ann Arbor, MI60 out of 100, Moderate$1.2B10.1%0.41%vs
United Bank of MichiganBank Grand Rapids, MI74 out of 100, Strong$1.1B10.6%0.06%vs
Superior National BankBank Hancock, MI73 out of 100, Strong$1.0B11.7%0.65%vs
Sturgis Bank & Trust CompanyBank Sturgis, MI56 out of 100, Moderate$1.0B8.6%0.92%vs
First State BankBank Eastpointe, MI63 out of 100, Moderate$1.3B10.0%0.81%vs

Deposit insurance

Is my money safe at Northstar Bank?

Yes. Northstar Bank is an FDIC-insured institution (FDIC certificate #57097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.4% of deposits ($276.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.11%, 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%).

Check how much of your own balance is covered

11 locations

Branches

Northstar Bank lists 10 offices in 10 cities. Most locations:

  • Akron, MI (1)
  • Algonac, MI (1)
  • Ann Arbor, MI (1)
  • Bad Axe, MI (1)
  • Caro, MI (1)
  • Fort Gratiot, MI (1)
  • Lenox, MI (1)
  • Pigeon, MI (1)
  • Saint Clair, MI (1)
  • Ubly, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northstar Bank reported 107 home-loan applications under HMDA (LEI 5493008S6MTNE6CY5G37): 91 originated ($39,175,000 total), 2 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northstar Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57097
RSSD ID
2958972
Primary regulator
FED
Holding company
Northstar Financial Group Inc
Established
February 1, 2001
Headquarters
833 S Van Dyke Rd, Bad Axe, MI 48413
Employees
160

Quick answers

Northstar Bank: common questions

Is Northstar Bank FDIC insured?

Yes. Northstar Bank is an FDIC-insured institution (FDIC certificate #57097). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northstar Bank's TellerScore?

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

Has Northstar Bank ever failed?

There is no failure record for FDIC certificate #57097 in the FDIC failed bank list.

How many branches does Northstar Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bad Axe

InstitutionScoreAssetsCapitalProblem loansCompare
The Port Austin State BankBank Port Austin, MI95 out of 100, Very strong$67.8M18.4%0.00%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs
Tri-County BankBank Brown City, MI78 out of 100, Strong$638.6M13.6%1.30%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
Flagship Community Federal Credit UnionCredit union Port Huron, MI76 out of 100, Strong$34.8M11.2%0.31%vs
Bay Port State BankBank Bay Port, MI71 out of 100, Strong$153.4M10.9%0.65%vs