# NORTHSTAR BANK
DENTON, TX · FDIC certificate 11561 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.17B | |
| Deposits | $1.84B | |
| Loans and leases | $1.41B | |
| Total equity | $303.6M | |
| Loans / deposits | 75.62% (p26 of band) | 87.83% |
| Liquid assets / assets | 22.80% (p52 of band) | |
| Uninsured deposits / deposits | 24.71% (p48 of band) | 25.51% |
| Brokered deposits | 0.87% | |
| Wholesale funding | 1.70% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.63% (p18 of band) | 9.88% |
| Unrealized securities loss / equity | -0.67% (p45 of band) | -0.51% |
| AOCI / equity | 0.19% (p51 of band) | |
| ROA (annualized) | 1.22% (p76 of band) | 0.97% |
| Net interest margin | 4.03% (p86 of band) | 3.44% |
| Efficiency ratio | 61.91% (p46 of band) | |
| Noncurrent loans | 0.78% (p66 of band) | 0.56% |
| Net charge-offs (annualized) | 2.45% (p99 of band) | |
| Reserve coverage of noncurrent | 143.43% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 71.88% (p79 of band) | |
| Auto loans | $2.6M (0.19% of loans; DQ 1.67%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 32.1% | |
| Employees | 498 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 0 |  | expense ratio p90, reserve under noncurrent |
| 2012-03 | 2 | losing money, expense ratio p90 |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent | losing money, expense ratio p90 |
| 2013-03 | 1 |  | capital falling, NIM <2.5% |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-11-20 [Northstar Bank Announces Staff Updates - PR Newswire](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQm1SMHZvaHg5dmJxQW9XMXRpOXZocC0wcXlJWGx4NkZobktlYjUzRUdSS3FxamE0aXc3QnluMHJoLUtiVU9yQ05YQ2cyVHBHQ2ZDdEVXN1ZFeEV2NU5qS2g4UTRvVGJQanJTekcwc0E2SDc4SVBhYXp0T1FabGpWd0ZPZTNVQUUxWS05UmtGMW81Z2ZNNjJCMkh3?oc=5) · PR Newswire
- 2014-05-15 [Community Bank to merge with Northstar Bank of Texas - The Business Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxNd21UZ3dhbS1FM3lrMGhiQVBwcUllWG50dU85WDhXYUdFUzBLdjBwUVAxX0ljZFBrMTlGRWFOcWlTMVM1cmRCcnFBWGRwZG84bzZTMWpld2xqUjdUSmRhYjhTZmJ5WkhEN3llZlAwRXBnN1NxVjFMdlVWZXJodTFzbllQOFduTDd5NmxiRElHa0xYZ2Fpd1E?oc=5) · The Business Press
- 2017-06-12 [FirstCapital Bank acquires former Marble Falls NorthStar branch - DailyTrib.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNX0NLU0ZsZHQ0dTRHUFNsWDV1WDhuTXlmRUYxTDNXNmJwVUJBR1pYVjFnMV9qSHg0b2JGV0RFaDBSUDJhQ3FTYVpLLUd1X29uOGhwQzRrdzg5emc1M2lNdGt6MGRCd01Gb0dyQmhWNDFqWEZ2ZGVWRmpmRjZmUWMtYUYwbHJEWm03THFTdGJuSDRlamNaY29saVF3RXJyYWRibm9B?oc=5) · DailyTrib.com
- 2025-08-28 [Northstar Bank in Colleyville Robbed Tuesday - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUldIS3FPNEw4a2dQZEhYaDljLUtLOENlS0J1T1hCbVdIcW15M2REOTAzbjBscV8yT1Z4STBWaVNGNTZGMEt3S1JWX0pFRXRCZkV6RTBtclpfZEdyUjhVVjY3dEZ1U2lGLWtkNXJYTHV3QUdicnNwWFNUNlR1ZGR5UlZfWEg3cUo4WDN4cnFQU0Q1cnpwazRRONIBoAFBVV95cUxPM2lfRDY4MkRPSWo2ekMtTFlCWjNJWXZNUWRldmtTNjhKTm1ockhMQW42THAtQnlqeU1ZdjZkT1FhU3A2bzJmYW1FaUhFWmN1RzZTbjRhNDVyM3JlYzR1TEtPOFpXMGJjb3RLWFNibHBjOHp4YVotSHlrLWhxQ21TZjdCRUkzN3RqRkx6VnU1em1GNjJ0a2dzaExrLXIxaHFh?oc=5) · NBC 5 Dallas-Fort Worth
- 2023-08-22 [Worthington Bank taps leader as it expands into Denton - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZnFOY0kwaGpxQUV0UHNyallWYUtaM0w0RkhsZmlBNzJlYnpjNmVienZ1QU1RcThuaGdTSndORnp4R0tTWFc4czNNcXk3QnBFNHNqOHdrUmJxZUZLNE51T25EX1VTY2ozMFR0UV96NWxzYmh6ZThqOTZKeFE0eVBSYXVYSnNkT0ZHWGFSNEp5Nk1mal80RjNzRWZ5WEs?oc=5) · The Business Journals
- 2014-08-14 [Carlile completes acquisition of Community Bank - The Business Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcXdKOG8wOHZzdkxSdHNaMlV1VnZyN0tqT0NVa2NBR2FrSkd2LUJGb2k1NWtFMFpodzY3eTZBTFJTSkZXbjVGZDEyZGdLVVlvQ3ZkbGtweUJRaFItbWUyRGZSSk00NGhZMElUbDBYUTduRmNEbEc5SFBwVGdrUndnaXRGbDJHNHZ2UmpIVUk1Zw?oc=5) · The Business Press
- 2015-10-09 [Bank robber to plead to Pascagoula bank heist in Texas - Sun Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTFAxRFVweV9lV2dCNkUyNTJwbnZkNm02VkpXMkRCY1owV1owWTZJLVV6azVkT2p3N2hSTFNTVGFCZHE5cjJ6ckpuWFd6eTd6Ym4wUGxsOVVlMmZoMjFWYzBQNFZHVDhCUENNWWtaeWlrODHSAXBBVV95cUxONkRLNFRwRnpGMHFOZTJTZnZUME5XRlRCdGc3NGhLVkRNek1idXdtN1FldU55RVNpX1ZJbDdILW0zM040WjJVT2lqbjBUYzlrMnZLeGNSWWpVa2I4YXlpS19hdVprWlZtSTlSQ1NvdWNJ?oc=5) · Sun Herald
- 2015-05-26 [DeLay Middle School eighth grader named April student of the month - starlocalmedia.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPTWNNWWhsaUpMUFBsWFlGVzRzbTdZQTVfOUlMaW1jSnpTOVJWRzB4bmNKN0tQWkdQNFF5Rk1ENnF4UjFkQ0hnYXp2SlR1Smk3VWlhcjQ5aXFmaWptUjFyRWoxSVdISkgyTUJtTThockVKTHA1ZW5COE1pVUZMNVVHTXRERWxoOFZUM05GSFo3WThWaGVnWVRmSVZqN25NcHp0V2FDY1lYX3BySklKZ3p1Rk5tRHY0UXNVNjVVcU5ZemljSUtXeGp5cjlSNy01ekFOYUhZeHZmU1F1aTAxalpyS2tTSUJkNGgzMVFHd0xBRmxLbWpuYjdPMg?oc=5) · starlocalmedia.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11561 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "11561", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide