Headquartered in Bismarck, North Dakota, Starion Bank is a state-chartered bank with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 16 offices across 2 states. Its charter dates back to 1993.
Based on its Q2 2026 filing, Starion Bank scores 56/100, which we describe as moderate. That is higher than only 15% of 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 54th. Its strongest component is problem-loan coverage (81/100; 9.5%), and its lowest is capital cushion (44/100; 9.45%).
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 9 points (65 → 56), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 60 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 67 |
| Q4 2025 | 59 |
| Q1 2026 | 61 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.68% |
| Q3 2024 | 9.74% |
| Q4 2024 | 9.38% |
| Q1 2025 | 9.10% |
| Q2 2025 | 8.83% |
| Q3 2025 | 9.47% |
| Q4 2025 | 9.42% |
| Q1 2026 | 9.48% |
| Q2 2026 | 9.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $2.1B | 9.45% | 1.45% | 1.14% | 69.4% |
| Q1 2026 | 61 | $2.1B | 9.48% | 0.98% | 1.10% | 68.8% |
| Q4 2025 | 59 | $2.1B | 9.42% | 0.90% | 0.80% | 69.9% |
| Q3 2025 | 67 | $2.0B | 9.47% | 0.18% | 0.87% | 70.4% |
| Q2 2025 | 65 | $2.1B | 8.83% | 0.22% | 0.87% | 68.2% |
| Q1 2025 | 64 | $2.2B | 9.10% | 0.32% | 0.77% | 65.3% |
| Q4 2024 | 60 | $2.0B | 9.38% | 0.35% | 0.37% | 71.5% |
| Q3 2024 | 61 | $1.8B | 9.74% | 0.31% | 0.35% | 80.2% |
| Q2 2024 | 60 | $1.9B | 9.68% | 0.39% | 0.35% | 81.5% |
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).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone BankBank Fargo, ND | 47 out of 100, Below average | $1.9B | 9.6% | 2.35% | vs |
| First Western Bank & TrustBank Minot, ND | 55 out of 100, Moderate | $2.4B | 9.6% | 1.42% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |
| Bank ForwardBank Fargo, ND | 70 out of 100, Strong | $1.1B | 10.2% | 0.67% | vs |
| Border BankBank Fargo, ND | 57 out of 100, Moderate | $1.1B | 9.1% | 1.07% | vs |
Deposit insurance
Is my money safe at Starion Bank?
Yes. Starion Bank is an FDIC-insured institution (FDIC certificate #33758). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.6% of deposits ($812.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.28% (benchmark: 10%).
16 locations
Branches
Starion Bank lists 16 offices in 11 cities across 2 states. Most locations:
- Bismarck, ND (4)
- Fargo, ND (3)
- Bottineau, ND (1)
- Dunseith, ND (1)
- Ellendale, ND (1)
- Madison, WI (1)
- Mandan, ND (1)
- Middleton, WI (1)
- Oakes, ND (1)
- Rolla, ND (1)
- Sun Prairie, WI (1)
HMDA 2025
Mortgage lending
In 2025, Starion Bank reported 284 home-loan applications under HMDA (LEI 54930019RBT2SM6CQS78): 219 originated ($112,625,000 total), 7 denied, and 56 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.1%, 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
- Starion Bank
- Former names
- First Southwest Bank - Bismarck; First Southwest Bank; Starion Financial
- Type
- State-chartered bank
- FDIC certificate #
- 33758
- RSSD ID
- 2009605
- Primary regulator
- FDIC
- Holding company
- Starion Bcorp
- Established
- January 1, 1993
- Headquarters
- 333 N 4th St, Bismarck, ND 58501
- Website
- www.starionbank.com
- Employees
- 238
Quick answers
Starion Bank: common questions
Is Starion Bank FDIC insured?
Yes. Starion Bank is an FDIC-insured institution (FDIC certificate #33758). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Starion Bank's TellerScore?
56 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 Starion Bank ever failed?
There is no failure record for FDIC certificate #33758 in the FDIC failed bank list.
How many branches does Starion Bank have?
16 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bismarck
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Kirkwood Bank & Trust Co.Bank Bismarck, ND | 80 out of 100, Strong | $351.3M | 9.9% | 0.00% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |
| Railway Credit UnionCredit union Mandan, ND | 74 out of 100, Strong | $211.6M | 12.1% | 0.50% | vs |
| Choice Financial GroupBank Fargo, ND | 73 out of 100, Strong | $6.4B | 10.8% | 0.68% | vs |
| BNC National BankBank Glendale, AZ | 71 out of 100, Strong | $1.0B | 12.2% | 0.84% | vs |