Side-by-side · Q2 2026 data
Sturgis Bank & Trust Company vs Northstar Bank
Metric by metric
| Measure | Sturgis Bank & Trust Company | Northstar Bank |
|---|---|---|
| TellerScore | 56 | 59 (stronger) |
| Capital cushion | 36 | 41 (stronger) |
| Loan quality | 69 | 73 (stronger) |
| Earnings | 61 | 72 (stronger) |
| Funding & liquidity | 53 (stronger) | 44 |
| Problem-loan coverage | 76 | 77 (stronger) |
| Peer percentile | 15th | 19th |
| Total assets | $1.0B | $1.2B |
| Deposits / shares | $893.0M | $973.6M |
| Capital ratio | 8.63% | 9.11% (stronger) |
| Problem loans | 0.92% | 0.80% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.03% | 1.30% (stronger) |
| Loans ÷ deposits | 85.1% (stronger) | 101.0% |
| Uninsured deposits | 35.3% | 28.4% (stronger) |
| Offices | 16 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 2.2% |
Northstar Bank has the higher TellerScore (59 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sturgis Bank & Trust Company leads on 1 and Northstar Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.