# NORTH STAR BANK
ROSEVILLE, MN · FDIC certificate 16733 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $378.7M | |
| Deposits | $340.8M | |
| Loans and leases | $245.8M | |
| Total equity | $36.4M | |
| Loans / deposits | 71.31% (p27 of band) | 82.04% |
| Liquid assets / assets | 34.48% (p74 of band) | |
| Uninsured deposits / deposits | 21.92% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.00% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -16.99% (p28 of band) | -8.10% |
| AOCI / equity | 0.35% (p90 of band) | |
| ROA (annualized) | 1.35% (p55 of band) | 1.28% |
| Net interest margin | 3.71% (p38 of band) | 3.91% |
| Efficiency ratio | 62.39% (p53 of band) | |
| Noncurrent loans | 0.94% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 0.55% (p97 of band) | |
| Reserve coverage of noncurrent | 120.32% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 17.36% (p22 of band) | |
| Auto loans | $94,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 2 | uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2012-06 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | expense ratio p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2015-06 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-09 | 0 |  | expense ratio p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | capital falling |
| 2025-03 | 1 | losing money | securities losses >30% of equity |
| 2025-06 | 0 |  | losing money |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2025-12-28 [John “Jack” RITT - Pioneer Press](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1MZmhMeDZ3VFR0Smc3R3ExdWVHOU1abmlJSmtBSHFtbktHRl9FODc5YUI3V3VHblhFSFFqdTZ1SWRGZmdmQVFlUVExX1hiOUIzZzlHYlNhVG9Na0thNjRzWl9Paw?oc=5) · Pioneer Press
- 2023-05-16 [These are Minnesota's strongest mid-sized banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNM1hMSXB3b1FRLXVPazlrUmNkeXNmeXJ4eVVFZXY1NjVTNnBSZ0JFNFFEelNKSnFWdVNRcndXN0R4VXZBcG12amNyREo2bFlBZXN2TzBzbTZ6SGxIVGtPQWhIek9vVE15V2otWUhyamVLajMwVG5zUTdhUkFrNGgtOEZFLVVYRkVpeE5QUm9MVDBraEEwQlpoTk1mRXZ0X1RqR2J3?oc=5) · The Business Journals
- 2024-12-04 [Kermit Iverson Obituary Dec 4, 2024 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1wX1RIMl9pMHltVEl0cnJrbEtDNmNKbU41RzRWb0ZTQldmUk1YM0JSYjdscGkxZWVxeUlHaFAxQmlVWHZ5Q2tTQ0l2Z2Q3RHlqVElXV3h4N1hGS3dZR19zZ0N0YXNuejA?oc=5) · Bayview Freeborn Funeral Home
- 2023-10-16 [Rich Salzbrenner Obituary Mar 21, 2012 - Bradshaw Funeral](https://news.google.com/rss/articles/CBMia0FVX3lxTE9ac3ZzdVY5X0RzWFJfTlJTYVdHQWhKODRLcmw2Nm5TRmh5b2tJWTZicFBOOWhmei1EVEtYdlRjWnFVU0lTeG40Vlo3NHVlZXZYWU83Z2xWRVgzc3lSRkdxRTQ0SjJDVGVwNmhB?oc=5) · Bradshaw Funeral
- 2013-12-06 [Mary Ann Hagen Obituary - Mesa, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE81NUo1UE56bnF2MlNkRGEzYU9sUmJNeGtidWVkbkYwU1QtYVFZaEVDNmxmWF82VmdGeHc4QmROTHA0SUFmR0FPUWhGM081UnVDLS15dFZ3b2hrYmtfWXhaTnNqUktreVNvbjVKX1RzRVhkSWZGZTNFd25CSVhrdw?oc=5) · Dignity Memorial
- 2024-03-13 [Dennis Lee Tyrrell Obituary (2024) - Spirit Lake, IA - Robinson Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQaXJIOEZsWmNRaWhxWGd5N01hZnVXLWd6SEtHTmtpZjZUSTBubllpNDU2Zi1LZXN6LTI4em1zVjZra3VJaHNhMHE5VVJnNU9ubUwyaDdFbEhhaTFGczdwQXQ3THJiYlFwRUpzdVViOWs3Zml1cHN6SW1Fa2s4UHFkZVBNWQ?oc=5) · legacy.com
- 2024-05-19 [Christina Baillie Obituary - Roseville, MN - Pioneer Press](https://news.google.com/rss/articles/CBMigAFBVV95cUxQSFdaYXlJZ3VEZlMyOGctV1M5RFoxS2F6SFRGQlZTVmtmSE1KMkM2bHE4RjRIT0QzaExXSC0wYUJPZDlzWGY4Q2Npd1FwR3FSZkVNQVhhOVdGVnp1WE1GRFR0b2pLTVRaeU5zbmM3R3h2U1ZIZF9pSTJQcW01Uk9Edw?oc=5) · Pioneer Press
- 2025-06-25 [Semiconductor manufacturer Syagrus Systems files for bankruptcy protection - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOWFhoLWJyeUtjV1ItZGVFR0lCRkdCLU1xLVJtcVpNaE9qU0RvMXN3TGFlVDZnQzhNRlJ0Vmc5QlFFZDNKaTFCVmEtNGk3VWQ4MWhCTWZZWTZrclNZYWsxaTR6R0xHVGNnbF8ydnU2REJ4SDhiVm5pUmtMMXdDM1I1SUtrWHhHZ3pwS3BsNE91YTQ4dWlXMUJ4cFBMTjVyZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16733 (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/29.json (key "16733", 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