# STARION BANK
BISMARCK, ND · FDIC certificate 33758 · 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 | $2.10B | |
| Deposits | $1.82B | |
| Loans and leases | $1.28B | |
| Total equity | $176.1M | |
| Loans / deposits | 69.41% (p15 of band) | 87.10% |
| Liquid assets / assets | 37.67% (p88 of band) | |
| Uninsured deposits / deposits | 44.60% (p82 of band) | 30.76% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 4.26% (p42 of band) | |
| FHLB advances / assets | 3.77% | |
| Tier 1 leverage | 9.45% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -18.38% (p22 of band) | -7.75% |
| AOCI / equity | -1.48% (p9 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.26% |
| Net interest margin | 2.95% (p14 of band) | 3.70% |
| Efficiency ratio | 65.38% (p69 of band) | |
| Noncurrent loans | 1.45% (p84 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 103.73% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 67.74% (p70 of band) | |
| Auto loans | $7.6M (0.59% of loans; DQ 1.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 238 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | uninsured deposits >50% | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | uninsured deposits >50% |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 4 | NIM <2.5%, construction >100% equity |  |
| 2023-12 | 2 |  | capital falling, construction >100% equity |
| 2024-03 | 3 | expense ratio p90 |  |
| 2024-06 | 2 |  | expense ratio p90 |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | securities losses >30% of equity |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 0 |  | NIM <2.5% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-07-02 [Starion Bank CEO selected as next Bank of North Dakota president - North Dakota Monitor](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObzJxMGlQNE9kRk9hS0NROW9fVTdKUkE5S01fbXNKR2RHYl83RDVLVEREbm1VME9RN0FKTkFjR2pvXzhPaVhxVUdteHJ1YlBuM05UdDdNS3hkUjJ4eS1zWUgwbEVmSjRRU2huRnpjMEFkdzI2aWdHdDF0ODlGU2lJcGl3ZEw4RTJCanpDT3FjOU9YaE9DUHVRVmpJOEczcXBXRzlTa3pvLVRFSUk?oc=5) · North Dakota Monitor
- 2025-03-12 [Starion Bank shares most common scams and how to avoid falling for them - KX News](https://news.google.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?oc=5) · KX News
- 2025-05-14 [Fintech partnership allows Starion to bank gig workers - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxPb1hiNjA3Z3lXQmhmemMtd0ZFS1FITUIzbzRVM00zZ3cyZlc2TENOeFFNcUtnMWhRaUpoSmdXbnpHeXBDbUdKSlRkU3BDLWlCNjhTUUNSb0lJbjJDTkVMRkpmaWlhR2M2Wlo2c2FRMlBqaEp0ckJ4Q0cxOG5uWHI0TlVTTE1WY1pfUTAtOHBrTnowV3Rm?oc=5) · American Banker
- 2024-04-10 [Starion Bank's new location now open on Sun Prairie's west side - hngnews.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOQUs2UU5ERzM4bVFtTGY3OERUMEpuSFl5cVU3emptN190dlMzV0N3Qkc3SjdianhUcUdVWDdGSk9sLWZ4Qk5aekRneFJUVTZHeFFIU2hCT3dkQUMwX0VaV1ZIMGE2eHVjTTNFb2xfbDN3VURrM0JXaUdWTnUzSUVlSTV6Z2ZqdEd3RTdOeWRRVWlGUjBlS25DQWZHQjdMMlhTaFMxQnZLaXM3YklvclFvTm05WS1laDF4amRJc3BEX25pSVVXLWNHNUhQVWpVZHlIc0d3cVpoTnZNZDAzWUpSX2dMQXhaX3lwSlpjbTBn?oc=5) · hngnews.com
- 2020-08-22 [Starion Bank recognized for Main Street Lending program - InForum](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcG9zREtsdElZRTdXbzZ5UVh5Y2VvR0Z0WWM1ZW5VcFpPazJjOW1XU3FBc00ySDBrenA0N0ktVmJSM05qVzdSMDNuYnZsdkNrN0VLMGw1VG5yR2R2bEw3eW9oejRHM0dORUJxMktZQlM1akZRMGVpVzRDQ2J2Qk45V2g0NjNudDRxWUFrb3JQdU4wQQ?oc=5) · InForum
- 2022-01-05 [Family bank takes progressive approach to succession, governance - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZFpyd2tneVBYMnh4M0JUbGFxOWJiQ1RxN3E5YnQ0THJFLVpmODVzcUV2R1VZOUpaRm81Z2Q2c2t6ZkVKVFJ3S0h3U0R1aXNrNDI3QUxSUERFMUlhR2tJcDdhQzM5YmlFUjdyWGV6bnRhenYtSGJVaHRwa0pLWC12SHV4V3RoQ2Jjak5MMENJaDFIcm94d0Vn?oc=5) · SiouxFalls.Business
- 2024-10-23 [Starion Bank named DoorDash’s sponsor bank - wdayradionow.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZE52MG1vNFhWSk5hbVFsMURFdlotbTFUdTExYVI0bklyRGpyWExaajNjWVJsaHVuWkk0RVM5U05rcEkyZWhRNy1YbXRiaU1iQjZzYzc1WHN0VEFiV2p2SEw4MF96VXhJTWFwdVlsSUFEdTBERTNZMW1pVlNqb0Vkak5SUFAxYnRJY1UzNHlmMDc?oc=5) · wdayradionow.com
- 2021-02-22 [Starion Bank (ND) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE1fY2hQUnFneTRiYldrV0NnR2hXSktJV1lvQWkyM1JpQnFpVWxBRnBwUWt6ZEh0dkdZSEtmaERqTTBwZy1ybVJEaFoxS05fcDB5ZXpGVzJOWlc3UHFwdlg1Y3JFUDhMVl9vWTMyS1E2eHREZllpaXdqU1JKM1gtUQ?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33758 (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/30.json (key "33758", 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