# FIRST STAR BANK
BETHLEHEM, PA · FDIC certificate 31595 · asset band $300M-1B · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $425.5M | |
| Deposits | $336.0M | |
| Loans and leases | $219.7M | |
| Total equity | $34.1M | |
| Loans / deposits | 64.76% (p26 of band) | 75.98% |
| Liquid assets / assets | 41.77% (p77 of band) | |
| Uninsured deposits / deposits | 4.93% (p14 of band) | 12.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.94% (p75 of band) | |
| FHLB advances / assets | 11.51% | |
| Tier 1 leverage | 8.10% (p15 of band) | 9.64% |
| Unrealized securities loss / equity | -18.19% (p0 of band) | 3.66% |
| AOCI / equity | 3.53% (p97 of band) | |
| ROA (annualized) | -0.62% (p4 of band) | 0.82% |
| Net interest margin | 2.13% (p2 of band) | 3.68% |
| Efficiency ratio | 137.54% (p100 of band) | |
| Noncurrent loans | 2.48% (p63 of band) | 1.84% |
| Net charge-offs (annualized) | 0.06% (p32 of band) | |
| Reserve coverage of noncurrent | 38.48% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 29.72% (p47 of band) | |
| Auto loans | $53,000 (0.02% of loans; DQ 43.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 3 |  | wholesale funding >15% |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | capital falling | losing money |
| 2012-06 | 5 | losing money, expense ratio p90 |  |

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

- 2026-03-20 [Five Star Bank - Rochester Business Journal](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1BTC1mVGVxaFZKRU82amVZQ1Z5MVpZb0xFTHAxcHI3YnktSlpJdEZoSV9lOXdYOUk1V3Y5UENMemRjSWFNSXBRMWFmMTVKUml3Wko3c0kxVQ?oc=5) · Rochester Business Journal
- 2026-07-30 [Trusted Land Transfer Promotes Mike Corso to Montgomery County Market President - MONTCO.Today](https://news.google.com/rss/articles/CBMib0FVX3lxTE5JWVRmcmNLOW84VndwdkduYTlVWncyM0d5Z2Jldjg5RFhUbWU0ZVVlMU5CVWVqUTZDNHJRckNKcGZaWDk3TXAyaEl3QUFZN1FkS0xWZnFjQXVuSGlZOXpUZzFNSjY3YTJ1Tzc3RFFIUQ?oc=5) · MONTCO.Today
- 2012-02-04 [ESSA flexes its muscles - Pocono Record](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSVF1ZU15ZHZteUdPVlk3LUVMcUhraUU4akg1c09FN1lMMVRSa09lZ21scWlRWHMyUVF0dnlFOUd0aEFHT3V1YnkyQmlTZGdCbTktTFF4NTluaE5nek1ZMVdrS2FPaUJfaGdMMkoxYU0yR2JoOS1BWXN5YUg1NEdhamRhNk40aXlfeTkyWFlIelNPZUlRc2c?oc=5) · Pocono Record
- 2018-05-01 [Sylvia Jean (Gould) Elerick Obituary May 1, 2018 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5rMUZEX0x4ZFBrb0lFaElmVVFpcm13QWI2YmpkaHZUTDdIUEthMmVmSDdRY3RQaUdsdlNYZ21saXBPeXB5UzFFWmliV2UwLWZONTJsWDVhWEhTWFZaVUtHNA?oc=5) · Meyer Brothers Funeral Homes
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31595 (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/43.json (key "31595", 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