TellerScore

Star Bank (FDIC certificate #5095) is based in Maple Lake, Minnesota. Its Q2 2026 call report shows $445.8M in total assets and $384.6M in deposits and 11 offices.

Star Bank has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 210th. Funding & liquidity contributes the most (68/100, 92% loans-to-deposits, 11% uninsured); loan quality contributes the least (31/100, 2.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality31/100
Noncurrent loans ÷ total loans: 2.07%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 91.9% · 10.9% uninsured
Problem-loan coverage67/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.75%

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 14 points (32 → 46), mostly because the loan quality component improved by 31 points.

TellerScore
324660Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202460
Q4 202453
Q1 202549
Q2 202532
Q3 202535
Q4 202537
Q1 202636
Q2 202646
Tier 1 leverage ratio
5.00%7.20%9.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.84%
Q3 20249.02%
Q4 20249.10%
Q1 20259.41%
Q2 20258.92%
Q3 20259.10%
Q4 20259.04%
Q1 20269.01%
Q2 20269.29%
Noncurrent loans
1.38%2.74%4.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.26%
Q3 20241.38%
Q4 20242.23%
Q1 20252.35%
Q2 20253.42%
Q3 20254.10%
Q4 20253.22%
Q1 20262.43%
Q2 20262.07%
Return on assets
-0.21%0.77%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.56%
Q3 20241.62%
Q4 20241.75%
Q1 20251.21%
Q2 20250.32%
Q3 20250.72%
Q4 20250.77%
Q1 2026-0.21%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$445.8M9.29%2.07%0.52%91.9%
Q1 202636$456.7M9.01%2.43%-0.21%88.7%
Q4 202537$465.0M9.04%3.22%0.77%90.7%
Q3 202535$455.6M9.10%4.10%0.72%93.7%
Q2 202532$445.2M8.92%3.42%0.32%95.8%
Q1 202549$458.6M9.41%2.35%1.21%91.8%
Q4 202453$462.5M9.10%2.23%1.75%92.1%
Q3 202460$445.4M9.02%1.38%1.62%93.8%
Q2 202451$437.2M8.84%2.26%1.56%88.9%

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 ratio9.29%
17th
Total risk-based capital11.75%
51st
Problem loans2.07%
12th
Net charge-offs1.78%
1st
Return on assets0.52%
13th
Net interest margin5.05%
93rd
Efficiency ratio61.9%
51st
Loans to deposits91.9%
22nd
Uninsured deposits10.9%
92nd
Loan-loss reserves1.08%
36th
Texas ratio16.7%
9th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Kensington BankBank Kensington, MN69 out of 100, Moderate$446.7M9.9%0.58%vs
First National Bank MinnesotaBank Saint Peter, MN64 out of 100, Moderate$437.8M9.8%1.12%vs
Foresight BankBank Plainview, MN41 out of 100, Below average$433.8M10.2%3.04%vs
Sterling State BankBank Austin, MN59 out of 100, Moderate$461.9M8.5%0.47%vs
Peoples State Bank of PlainviewBank Plainview, MN66 out of 100, Moderate$429.1M8.9%0.95%vs
My Kind of Bank, National AssociationBank Ottertail, MN64 out of 100, Moderate$422.6M9.0%0.96%vs

Deposit insurance

Is my money safe at Star Bank?

Yes. Star Bank is an FDIC-insured institution (FDIC certificate #5095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.9% of deposits ($42.1M) 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 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.75% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Star Bank lists 11 offices in 11 cities. Most locations:

  • Annandale, MN (1)
  • Barrett, MN (1)
  • Bertha, MN (1)
  • Eagle Bend, MN (1)
  • Eden Prairie, MN (1)
  • Elbow Lake, MN (1)
  • Graceville, MN (1)
  • Hancock, MN (1)
  • Maple Lake, MN (1)
  • Verndale, MN (1)
  • Wheaton, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Star Bank reported 95 home-loan applications under HMDA (LEI 549300MNZNDD5FZ2PF62): 85 originated ($21,605,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, 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
Star Bank
Former names
The First National Bank of Bertha-Verndale; Star Bank, National Association; The First National Bank of Bertha
Type
State-chartered bank
FDIC certificate #
5095
RSSD ID
715050
Primary regulator
FDIC
Holding company
Midwest Bcorp Inc
Established
August 15, 1904
Headquarters
100 Highway 55 E, Maple Lake, MN 55358
Employees
80

Quick answers

Star Bank: common questions

Is Star Bank FDIC insured?

Yes. Star Bank is an FDIC-insured institution (FDIC certificate #5095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Star Bank's TellerScore?

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

Has Star Bank ever failed?

There is no failure record for FDIC certificate #5095 in the FDIC failed bank list.

How many branches does Star Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Maple Lake

InstitutionScoreAssetsCapitalProblem loansCompare
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Sherburne BankBank Becker, MN78 out of 100, Strong$351.1M9.5%0.02%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
BankwestBank Rockford, MN76 out of 100, Strong$239.9M9.5%0.08%vs