| Metric | STAR Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +7.6% | +5.1% | +2.6 pts |
| Loan growth (YoY) | +3.2% | +5.9% | -2.7 pts |
| ROA | 1.01% | 1.26% | -0.2 pts |
| ROE | 11.2% | 12.2% | -1.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.23B | $2.85B | $1.83B | $298.7M | $16.3M | 1.01% | 3.29% | 0.27% |
| Q1 2026 | $3.19B | $2.81B | $1.84B | $289.2M | $8.3M | 1.04% | 3.35% | 0.33% |
| Q4 2025 | $3.23B | $2.85B | $1.87B | $290.3M | $30.8M | 1.01% | 3.21% | 0.30% |
| Q3 2025 | $3.12B | $2.73B | $1.81B | $275.7M | $18.8M | 0.83% | 3.19% | 0.28% |
| Q2 2025 | $3.02B | $2.64B | $1.77B | $264.2M | $12.9M | 0.86% | 3.22% | 0.19% |
| Q1 2025 | $2.96B | $2.60B | $1.76B | $255.9M | $6.1M | 0.82% | 3.20% | 0.19% |
| Q4 2024 | $2.97B | $2.61B | $1.72B | $245.3M | $26.8M | 0.90% | 3.17% | 0.14% |
| Q3 2024 | $2.98B | $2.61B | $1.65B | $260.1M | $21.4M | 0.96% | 3.14% | 0.16% |
Loan mix (Q2 2026): real estate $1.32B · commercial $411.9M · consumer $34.1M · securities $940.1M
| Ratio | STAR Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 59.0% | 74th |
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% |
| Ratio | STAR Financial Bank | 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% |
| Ratio | STAR Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | STAR Financial Bank | 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% |
| Ratio | STAR Financial Bank | 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% |
| Ratio | STAR Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
37 branches in 13 counties across 1 state (+0 vs 2024) · $2.64B branch deposits. Biggest market: Allen, IN, ranked 7th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 7 | $696.7M | 6.06% | 7th |
| Madison, IN | 5 | $402.5M | 18.48% | 3rd |
| Delaware, IN | 3 | $313.8M | 8.34% | 4th |
| 10 more counties with Pro → | ||||
Indiana: 21st with 1.07% · Fort Wayne metro: 4th, 7.20% · Indianapolis-Carmel-Greenwood metro: 19th, 0.93% ·
Branch count: 2022 36 · 2023 37 · 2024 37 · 2025 37