# NORTHSTAR BANK
ESTHERVILLE, IA · FDIC certificate 34407 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $203.4M | |
| Deposits | $168.1M | |
| Loans and leases | $135.3M | |
| Total equity | $34.2M | |
| Loans / deposits | 79.70% (p62 of band) | 73.59% |
| Liquid assets / assets | 26.16% (p35 of band) | |
| Uninsured deposits / deposits | 23.91% (p65 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.66% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -0.73% (p80 of band) | -6.57% |
| AOCI / equity | -0.81% (p32 of band) | |
| ROA (annualized) | 1.27% (p56 of band) | 1.17% |
| Net interest margin | 3.23% (p19 of band) | 3.93% |
| Efficiency ratio | 49.90% (p13 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 42433.33% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 19.25% (p52 of band) | |
| Auto loans | $734,000 (0.54% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 20 | |

## 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 | 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 | 2 | deposits shrinking, assets shrinking |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2022-03 | 1 | capital falling | NIM <2.5%, reserve under noncurrent |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | deposits shrinking, assets shrinking |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | deposits shrinking, assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-09-19 [Emmet County Purchase Agreement NorthStar Bank Building - Northwest Iowa Now](https://news.google.com/rss/articles/CBMingFBVV95cUxPN29BZU9COUhkajJ1c1NoZUFyMDlJaWpRREQxUElJQ1drM005YnFMWkxhZmRTclNYM3VpQ180dEF1cm1HaUhTbndkeWdDX3BCT0tMYlBSU2FrOUNxZlBDYmQ0SkViTWhVS1BiR1FpR2w2ZHBjaVp6aU55OHJBbzl6blJONHhBeGl0SFpXNUdxQW9xeVhrR2hJMDJ3UlRmZw?oc=5) · Northwest Iowa Now
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2010-04-19 [Name Change Wrap Up for Spring 2010 - The Financial Brand](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSlBWVENkLUI5SUFKWXY2XzZwNTJiMnB3WVBhRHFFRjY0d3A4V0c5WFNHbWhaT2pPakdRZU1VY2x3eHlNZzU0cy1XY0JFLU9hZElUbTVFR0tnNXYzRi1RUFEwakUxaVIzT2NGSlNQRDBRczhkZmh0YmFQVHQ5LWVXZk5Jb1ltWm8?oc=5) · The Financial Brand
- 2026-06-12 [George H Shadle Obituary (2026) - Estherville, IA - Henry-Olson Funeral Home and Crematory - Estherville - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVHg5dTRvNkxScXNRNzJQM1lyb0c5MWl2MG5aMVk5cFlya0xZSFdBbkRVcG1VRzRUVS1tYjM3QzU5XzNRNmd6VGdDTWcwT3JUS0wzOWN3eHh6VERSSGdybnZmY1pqY3ZqMWZMUVJ4XzkxYV9PNUFjeGhGb3AwWGhjaEtB?oc=5) · legacy.com
- 2026-05-01 [Patricia A Hasbrook Obituary | Henry-Olson Funeral Home and Crematory | Estherville, IA - Tribute Archive](https://news.google.com/rss/articles/CBMiekFVX3lxTE5mY3h6bEF3c2lIYUxmZjBmYi1oTWQzcC0yUldsYW5HbXFKVDAtQ1FzcWU3MVhNU3F2OWhWNHVlWW9VUU1rM2h5VWdDNjliWHZRZDFXSFlSTGIyYl82Z1IxZlpzdlhCSGZzdFc0d2N6Q0lTV1pPWHl2ckR3?oc=5) · Tribute Archive
- 2024-09-20 [Purchase of Downtown Hotel Building - Northwest Iowa Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTDRyU1VmTTRvVTR5U2djV3dfTVJDanJlTHhBSEJfMXJ2V2RvZEw0UVdWdXdidlJTYWZKSThSaUw1azZLeVE1eTlUOTcxR3ZPTE9yVzljaVVXTDNHTXpZQzNLSG1XMmczUzNpZXFEQ1ZPLTc2Zk5FY2h4MHJ5OHdOTkE2bw?oc=5) · Northwest Iowa Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34407 (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/39.json (key "34407", 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