# STAR BANK
MAPLE LAKE, MN · FDIC certificate 5095 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $445.8M | |
| Deposits | $384.6M | |
| Loans and leases | $357.2M | |
| Total equity | $44.2M | |
| Loans / deposits | 91.88% (p75 of band) | 82.04% |
| Liquid assets / assets | 16.46% (p20 of band) | |
| Uninsured deposits / deposits | 10.93% (p5 of band) | 25.97% |
| Brokered deposits | 10.66% | |
| Wholesale funding | 14.03% (p86 of band) | |
| FHLB advances / assets | 3.36% | |
| Tier 1 leverage | 9.29% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -2.39% (p76 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 0.52% (p12 of band) | 1.28% |
| Net interest margin | 5.05% (p94 of band) | 3.91% |
| Efficiency ratio | 61.94% (p52 of band) | |
| Noncurrent loans | 2.07% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 1.41% (p99 of band) | |
| Reserve coverage of noncurrent | 52.22% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 168.04% (p98 of band) | |
| Auto loans | $2.1M (0.60% of loans; DQ 0.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 | capital falling |  |
| 2013-03 | 1 | construction >100% equity | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | liquid assets <10%, construction >100% equity |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2016-03 | 2 | liquid assets <10% |  |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2017-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 2 |  | loans exceed deposits, capital falling |
| 2018-03 | 3 | loans exceed deposits |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | reserve under noncurrent |  |
| 2018-12 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2019-03 | 3 | noncurrent p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | charge-offs p90 |  |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 |  | charge-offs p90, capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | capital falling |  |
| 2022-03 | 5 | charge-offs p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | charge-offs p90 |
| 2023-06 | 5 | deposits shrinking, assets shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2023-12 | 3 |  | reserve under noncurrent |
| 2024-03 | 4 | charge-offs p90, reserve under noncurrent | noncurrent p90 |
| 2024-06 | 6 | brokered >10%, wholesale funding >15%, noncurrent p90 | uninsured deposits leaving |
| 2024-09 | 4 |  | charge-offs p90, noncurrent p90 |
| 2024-12 | 4 | noncurrent p90 | wholesale funding >15% |
| 2025-03 | 5 | wholesale funding >15% |  |
| 2025-06 | 6 | charge-offs p90 |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 8 | capital falling, losing money |  |
| 2026-06 | 4 |  | noncurrent p90, wholesale funding >15%, capital falling, losing money |

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

- 2026-03-20 [Five Star Bank - rbj.net](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1BTC1mVGVxaFZKRU82amVZQ1Z5MVpZb0xFTHAxcHI3YnktSlpJdEZoSV9lOXdYOUk1V3Y5UENMemRjSWFNSXBRMWFmMTVKUml3Wko3c0kxVQ?oc=5) · rbj.net
- 2026-06-24 [Five Star Bank opening Lodi branch as central hub for new food and ag division - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOc0ZySkxpX1lOQTZkempHcmQtT1dNUnZsZndFNmctams1UHVOUVFoT3EzTl9jLWVaYm54NUJpbEczM1pOV25sUFNCZENKRWVuejVkV2FHS1FWeEpBd0xFc3hfdVpDbDdZbWJFYkk0aWIySDBqb0dPT0dDTElKVWRjMl9pS0pVYzlFVHREZ0d1YkxDVzdiR3VlcXZlcUs2dw?oc=5) · The Business Journals
- 2026-06-12 [Five Star Bank thrives on a culture of teamwork - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbTkxUjI3aF92d0hkZ3doWVpmYWk0UDFsSUdmRl9fd2xqUVFBcnZhVHZCRk1HbktRNC1zbjlmMXVWV0ZhR0cxdDNaQkEweGxuZWpqSEYyQzAydFRpOW4tRUZnTnFIMGNkbG1lNDQyR2t1SElqV1FCV1ZjdUhTWFVIZEVvTlFIaHhoLU5hYU9HMzMzSGNzZWg0Sm9GT1RKZzIyeml4VDJxaVg?oc=5) · The Business Journals
- 2025-11-14 [Top Women in Finance 2025: Katie Wahlquist - Finance & Commerce](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSUl3SlFwYXJGUDE0WkY4ZHE4bU03MEtQdndlYWxqcHRzWFN0Q1AycU5wYkRPNjRYVWdkMGg2VERGTFA5bUJkODlpMFhvaUctRldBYVBETlVjU0hzaDlGc3VDc051WXdLT2owMHpOM1NoU0h6Yk1uVnJIWm03OXJ1aVRCRy1zdw?oc=5) · Finance &amp; Commerce
- 2026-02-02 [Five Star Bank eyes Bay Area expansion — but first it has to win the talent war - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNbDJYTDNQXzcyNVZaRTExaU5uUW1EWkJBVkVaN05UYkNUbGNvckJXZ21HUVl3bENCMmFfaVhaOTJxOWFqSEg1TzBSMGFGbDNHdW50WjY2eEd2emZxOGJJNW0zemhwUlFNQVRHcjRjcktPeVlybTZYSUE3SkpCcURnMThZbEFUZ3VzWVNiTHR4RzhKM3g0U3pNTUR5Mm5hNExHVVVQYlhvYVlxZUliREE?oc=5) · The Business Journals
- 2022-04-16 [Katie Wahlquist - Twin Cities Business](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5CZjhaaThoRXI3ZjN3MGtGVFBjR3c0UWdSdWVETWE4Z1RreDk3Vl9YeVY1akI4WjAxN0FXYUNiVWp2d2xKZkxCN1A5a1JlTTQ0YUNmU2dB?oc=5) · Twin Cities Business
- 2024-10-22 [Katie M. Wahlquist, MA, Inducted into the Prestigious Marquis Who's Who Biographical Registry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPLUN0dDNEQ0xCRzUyQTEzdGZNb211M21JcE8wcXBnaFBZcHF0cGxOZkh4YzBUV19DRkdQd2xvZkYwQ3Y0MF8tcVFJb0J5VS1tMHo0RG9lYWxqN2w5RXRmSlplSXE0VnZ2LWFNVFUzWE43NmhGNE4wQjlTRklRNGY0alFnSXZpRklIeF9kSTVOa1cwZFVjSXg3Vk1JNHVud0hnNW13UGVYcXMweGk4OWgzZ29rSTc3blN4TGtGVUs4aUExNUVDUlZmRU5Dc1BBTXZTMGlNUUZWdWxFdWc?oc=5) · 24-7 Press Release Newswire
- 2018-03-28 [Starbank: The Bank That Cares - Maple Lake Messenger](https://news.google.com/rss/articles/CBMid0FVX3lxTE8xVXdnNGc3bDl4ODlzVXZiTzZCdzZKTzJNMWpBTUZqbDlBdmliQmpwX0tKdGpOeVdoc1g4WUZZN2kxb1BUSlJzU2VrNGZXdWZna0E3MC05UjZUaGd1dER5Y3RxNzJYQWpyUWxKTWN4bHp3YzEtSGs00gF8QVVfeXFMT21mSzFjVW8xaXRlOV9wY1p0OGwxUlBBVmxhRHhsemJSdXJ2di1iNzFvZUh2cXJ3SHlQU2x4N3BTVzZacHFLY3g1dGJqaDZGSDk4QS13a25YemIyUVdMLTVnZ2tJWDBTblk3N3BreEMxSlA1REt6S1dsTjhnOA?oc=5) · Maple Lake Messenger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5095 (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 "5095", 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