# STAR FINANCIAL BANK
FORT WAYNE, IN · FDIC certificate 27235 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $3.23B | |
| Deposits | $2.85B | |
| Loans and leases | $1.85B | |
| Total equity | $298.7M | |
| Loans / deposits | 64.18% (p10 of band) | 87.10% |
| Liquid assets / assets | 38.86% (p89 of band) | |
| Uninsured deposits / deposits | 46.80% (p86 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.57% (p26 of band) | |
| FHLB advances / assets | 1.55% | |
| Tier 1 leverage | 10.33% (p46 of band) | 10.50% |
| Unrealized securities loss / equity | -21.33% (p18 of band) | -7.75% |
| AOCI / equity | 0.01% (p79 of band) | |
| ROA (annualized) | 1.01% (p32 of band) | 1.26% |
| Net interest margin | 3.29% (p26 of band) | 3.70% |
| Efficiency ratio | 67.69% (p74 of band) | |
| Noncurrent loans | 0.46% (p45 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 247.47% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 91.52% (p84 of band) | |
| Auto loans | $8.4M (0.45% of loans; DQ 0.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 446 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2019-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | construction >100% equity | deposits shrinking |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 0 |  | securities losses >30% of equity |

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

- 2026-08-27 [STAR Financial Bank Promotes Maureen Glunt to Director of Treasury Management Sales - Building Indiana Business](https://news.google.com/rss/articles/CBMixwFBVV95cUxPalRJd04yUjB1SWxvZmhjeXMyS0hTZmVPQ1hwSGJvYXhkTjFfX0xZMTVFTEMxTzI4eW5YeVhFNHdEaWx4Y05zaGdjMWVuaFhZc0J3djcwWUNENVFHY3hfT2tHX3Z4MEVIT3BKV05jZEcxQWxCbnl4LU5MNVFrdGlzMnlVVDI2TjEyUEpEREZwTGlsb2Y0OG1TSW5WQnZEdGJHSk5wMDF2RExrMENWUVNwRkZydkNqdEcwZWlScnVWZFFnTnlCSzFJ?oc=5) · Building Indiana Business
- 2026-08-20 [STAR Financial Bank commits $100,000 to Indiana flood relief efforts - WPTA | 21Alive | Fort Wayne, IN](https://news.google.com/rss/articles/CBMipgFBVV95cUxOamV2WEdmZkg4c0s3S3FMV2lLbkJhRVlTd3ZiVHRWZjV6WHl2TjRudS0tZ2theGhaU05obDJXeVRxbDBxeXdzbkxIa0pGbDVmbmY5MlFpVVByNXdjTV9sN0kzZ3ZXQzFJNFdPdU5PQVl0YW10RzJzWmZuT2VKYXEtOUVBOUppTzVQRTBVeU1uN2hUVmZtMGhLekhrX1ZlbFVhenlxV1pR0gG6AUFVX3lxTE9tNWJQZjlDdlhGcEVaZlpkRVVmVGNQWVg5Zm5UZGstaXhPY1BlZkRGdF83bmtvNm5uVnIxMlBIUERjM3Bzd2RGSS1KdC04aDhVc0NqTnZydncwYmVtS1JuaExPd0dlQnNzTGRzNWlPWWVET3BrREd1ZlhFcmdhcmUwS29fem9wV19hdVFFSG5mcldhMmx0elI5WnUwQktoQ1RvM0xYUHgyQzdleVg3Y0VtVHZTRUZHZThkZw?oc=5) · WPTA | 21Alive | Fort Wayne, IN
- 2026-09-01 [STAR Bank parent launching fintech platform for small businesses - Inside INdiana Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxNaldpYWM3UkpEVDl3c2FvZ2syeWFuYTZLd1liaFhMVGRBSW90eGdfbUhCem45NGE0aXd1alVXSVB2aml3SHpFU3VHd01EU2dhaUE3YTlVQVlWdXB0Q0xBTlRVeE9sYmZ1THc0amN2RzFTVXZCWDdKTnNPamtaWDJNSUhlazZOeGZYd0xYZnBSelVkT0gwTjI0dHdvdFBKTDFiY2YzSnpnZ1Z4eWZWbzN3?oc=5) · Inside INdiana Business
- 2026-08-21 [STAR Financial Bank makes $100K commitment to flood relief efforts - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTEw3WTJkMDF5aW1kcDRHVkdWTmVLT2NRYlVQUndHMFpmQm9IZGJPMWYybmxrMFpSV0N5SFFNQVkwejBnVHowdklCMmpZbkRTM3FvMDkwbkx2WGd1S1EzTVo0UVFZZmNrY01pNEdacTlTUGNjbjBDLW1NeEowTlBlM29NazVUVVJ2MUxWZW1XYzJhYk44MDl1U2Nn?oc=5) · The Hamilton County Reporter
- 2026-04-19 [Where community banking is a team sport - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxNNHRUR0FVeldmazhYdDVad2NHX3pqQXZvQm9Ebkt1SnJVdG5TNlktcU1aeDM1UTZzazVuZ3lrWXBYWU95M1dpXzNyRE9nWWtjYTgyd3FpSXdoLXQtYjVmYXNsRzB5VWt6Z3JOU0h0elo2bnJiaFpBbVpUaVFHbkNyX1dIbVRhMHNSRm1zVQ?oc=5) · Indianapolis Business Journal
- 2026-07-28 [Star Financial Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1rQk43XzBhQ0h3SHhjYl83cWNXelpHXzZwd1ZSUnRPaFlRVTR0TjlFMHdQNFN3Q2p4NjE1dGpqNURhcmdkekd1WlVhdC1YRkZuWGd4VWE0azBtempwLUpsTzZObnZSVGdzVjRBNnJTUjg1eC10YkE?oc=5) · reveliolabs.com
- 2026-01-14 [Jan. 14: STAR Financial Bank mourns death of longtime executive and banking leader Robert 'Bob' L. Wright - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZkRVbGx6X0dZc2FSLWU2Rk1aNXlBRGJGYTUyWUpObWZGWkRKVVpsdEdMMURzeF9rSGNvRUgzU1gtajQzZEU5Z0lLaUJqaHdjNzJSWjg4d2l0eWVRdDhxd1pXTnVQS3pYVExSejdCLTdEVDJnYkdoMHVkMFVkLWh4c1U5NzdQb2J3?oc=5) · Fort Wayne Business Weekly
- 2026-04-04 [STAR Financial Bank Promotes Cory Weaver to Director of Technology Operations - Building Indiana Business](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOVEZNdU92Rk0tZWNiTm9CRzRvWW1acDFEMF83V1NnUjBwNzAxM1R6TFRfaTlvUVhkUENyR1JvNnJsV2dZR2lpcS1rUUxDZ1d6ZFBGT29zaTFMWWdjenJnbnBmdHNQRXBYZC1GNFNyU0RPLTZrUnRUN0F4V0U5SzRibUhJYTRtNzNuSDJYWjhjZUhKODludnV6WjNsa0M4aG1NbUJjY2N4SGhwNk1wUFVvZ2ZoWC00ckhqQWl3?oc=5) · Building Indiana Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27235 (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/35.json (key "27235", 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.

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