# BANKSTAR FINANCIAL
ELKTON, SD · FDIC certificate 496 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $363.5M | |
| Deposits | $302.1M | |
| Loans and leases | $284.7M | |
| Total equity | $34.8M | |
| Loans / deposits | 93.24% (p78 of band) | 82.04% |
| Liquid assets / assets | 17.60% (p24 of band) | |
| Uninsured deposits / deposits | 27.30% (p56 of band) | 25.97% |
| Brokered deposits | 1.65% | |
| Wholesale funding | 8.31% (p72 of band) | |
| FHLB advances / assets | 6.66% | |
| Tier 1 leverage | 9.42% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -4.98% (p63 of band) | -8.10% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 1.53% (p65 of band) | 1.28% |
| Net interest margin | 3.99% (p54 of band) | 3.91% |
| Efficiency ratio | 55.36% (p32 of band) | |
| Noncurrent loans | 0.14% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 778.76% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 23.54% (p29 of band) | |
| Auto loans | $1.4M (0.50% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.9% | |
| Employees | 42 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 2 | capital falling | loans exceed deposits |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | brokered >10% |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 2 | wholesale funding >15% |  |
| 2019-09 | 1 | capital falling | charge-offs p90, wholesale funding >15% |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 1 | loans exceed deposits |  |
| 2023-12 | 3 | wholesale funding >15%, capital falling |  |
| 2024-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2021-08-31 [Generations of entrepreneurs celebrate 95 years in family banking - SiouxFalls.Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMWxmTjdwN1dfQkZVYlZxM2R5eHk1bFZLMkdlM09KT0MyZE9Edi1oaUFKcUJka0EyREFmYk4xVTBmcG5LZjRhOXJOa3h5TDFNMVZ1ajBjZDhjRFJMcnNhR0lrbW5PTS1WLUFGbFRIeDA1ZW96SnNKQ1dCT0NtbldueVVFbUROTndpSUotcGJWeFBKVDNBaWtGeU5B?oc=5) · SiouxFalls.Business
- 2014-04-22 [Increased regulations threaten small banks - Argus Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWnZYb0tNM0N0Q3RyUVZyZEh2Wm5Ed2dzc09iTmE3Q0cwaU5oaUNxb2Vxd3U0Y3JQYlZtY3ctQXdzb092bVJjeW4wcXNfZXBzdkJRREFzRkNRaWt1ZFl0cjc0akhtMTVORUMyaVcwRng0NVVrUmpoT2pJUEh3ak1lbmZ2QV91QWMyNno3R1VSTUVqUFFVa2ZaR3lMVzAzVWlRQjBVVjk0cl96N1VfR1dzUWE1UWVsVWdDQ1E?oc=5) · Argus Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=496 (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/48.json (key "496", 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