BankStar Financial
Total assets
$363.5M
▲ +10.8% YoY
Deposits
$302.1M
▲ +12.9% YoY
Loans
$281.7M
▲ +11.6% YoY
Offices
3
ELKTON HOLDING CO
ROA (annualized)
1.53%
peers 1.24%
ROE (annualized)
16.14%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | BankStar Financial | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.4 pts |
| Deposit growth (YoY) | +12.9% | +4.0% | +9.0 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 16.1% | 11.9% | +4.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1926
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ELKTON HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 124 Elk St, Elkton, SD, 57026
- County
- Brookings
- Metro area
- Brookings, SD
- Offices
- 3
- FDIC cert #
- 496
- RSSD ID
- 109453
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $363.5M | $302.1M | $281.7M | $34.8M | $2.7M | 1.53% | 3.99% | 0.11% |
| Q1 2026 | $357.8M | $302.9M | $276.9M | $33.4M | $1.1M | 1.25% | 3.79% | 0.02% |
| Q4 2025 | $350.4M | $292.7M | $269.7M | $33.0M | $4.6M | 1.36% | 3.72% | 0.08% |
| Q3 2025 | $338.8M | $279.2M | $261.3M | $31.7M | $3.2M | 1.29% | 3.60% | 0.27% |
| Q2 2025 | $328.1M | $267.5M | $252.3M | $30.2M | $2.1M | 1.24% | 3.57% | 0.17% |
| Q1 2025 | $333.7M | $270.9M | $256.8M | $28.8M | $918K | 1.11% | 3.42% | 0.10% |
| Q4 2024 | $328.5M | $263.6M | $253.8M | $27.6M | $1.9M | 0.62% | 3.34% | 0.08% |
| Q3 2024 | $329.0M | $264.2M | $250.3M | $27.6M | $1.5M | 0.65% | 3.21% | 0.31% |
Loan mix (Q2 2026): real estate $197.7M · commercial $49.6M · consumer $3.0M · securities $34.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | BankStar Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 62.9% | 27th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BankStar Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BankStar Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BankStar Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BankStar Financial | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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