# NORTHSTAR BANK
TAMPA, FL · FDIC certificate 58520 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $205.1M | |
| Deposits | $179.2M | |
| Loans and leases | $141.1M | |
| Total equity | $22.2M | |
| Loans / deposits | 77.76% (p53 of band) | 76.19% |
| Liquid assets / assets | 29.64% (p48 of band) | |
| Uninsured deposits / deposits | 44.30% (p98 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.46% (p46 of band) | |
| FHLB advances / assets | 1.46% | |
| Tier 1 leverage | 10.03% (p33 of band) | 11.02% |
| Unrealized securities loss / equity | 8.57% (p99 of band) | 0.02% |
| AOCI / equity | -0.20% (p2 of band) | |
| ROA (annualized) | 0.55% (p24 of band) | 0.90% |
| Net interest margin | 4.04% (p70 of band) | 3.71% |
| Efficiency ratio | 80.75% (p76 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 56.89% (p83 of band) | |
| Auto loans | $361,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.2% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% | losing money |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2013-03 | 2 | NIM <2.5% | wholesale funding >15% |
| 2013-06 | 2 | assets shrinking | NIM <2.5% |
| 2013-09 | 2 | wholesale funding >15% | assets shrinking |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 5 | wholesale funding >15%, capital falling, losing money, expense ratio p90 |  |
| 2014-06 | 3 |  | reserve under noncurrent, capital falling |
| 2014-09 | 0 |  | wholesale funding >15%, losing money, expense ratio p90 |
| 2014-12 | 2 | deposits shrinking, assets shrinking |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking |
| 2015-06 | 1 | assets shrinking |  |
| 2015-09 | 4 | wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2015-12 | 0 |  | wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | deposits shrinking | wholesale funding >15% |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | assets shrinking |  |

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

- 2022-11-17 [Bad Axe’s Northstar Bank Acquires Cypress Capital Wealth Management - DBusiness Magazine](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZ0haREs0VFlYTE51Sk1fejRuMFY4NE01NnkxLWgtNWZSaEszSHVJWC1BTmdGeF96TVpidDNhenR5cnhVWXpRSFhwTmRBREFVcldoOWNfcmdEV005dy0xM2t4SlJQX1lfc0pIU1YzbWFXczc1Zkhoc3ZZTzJUUFdEVFVNUUdScm5Dd2RGeDIyeTIxeVVqbkt3ZEx0NUFHdHBXN2pmcjhncXh2Zw?oc=5) · DBusiness Magazine
- 2020-08-24 [Seacoast Bank doubles down on St. Petersburg - St Pete Catalyst](https://news.google.com/rss/articles/CBMie0FVX3lxTE54N0pCQ2VjSWkzbU5rejk2WG85VVF4QlJUNU8yVlFmTUpaMUxzVmNuZF9Jc2U1ZW5pMlprWkwwdjY4RC1pTGlHakZYZkV6SXJOMm9Id1BkOGVWUkJpc2VYVGtNa3AzZk04MGRpeXdLMVFCdV93UGVjMzdHRQ?oc=5) · St Pete Catalyst
- 2017-10-23 [As NorthStar Bank name disappears, debate erupts over bank consolidation - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQQ2ZOdVJpbFh0TVRtVG1GZ1ZqX0FtNHJCdUxDWmlUTFpOaThHeDZsTVFXQXJPWHJLVXVlRVhnVUZwTVRic2l5Q1hNUUJOc1paVlN4dWZaQkJ2NFFyMG5WUEZKWGduWVltcU1rdzV4akpLNk9sYW54ZTRLWWh6ZTNxcXVwUGpZcnJXbDlRSm9CNE12OXhELXpfdUFqcWg2c3RKeV9xcUtsU3I?oc=5) · The Business Journals
- 2024-04-06 [Seacoast Bank to build new office at existing headquarters on Colorado Avenue in Stuart - Treasure Coast News](https://news.google.com/rss/articles/CBMihgJBVV95cUxOaU9LcjkyQWQzVmRNR29VczRSTXlXN3hpWm4tOWlDMFAyYTRaakF0LWtGVk9EUUZXVUI5SFB1YnEtb2ZMSmVrNkFRYy1DNWlCMkxhakVCLWhuSUhaWHN5cXhEaXk4YVBPaFlXSFp0WXliVUMwWU9pbUFvTUJESDJCWG9vVDI0bGZtN2xIUl92OGpHckJkcDhPR1RZWVR1cmlRcGxHU2dsMUFTUGFZWk9wUk5CZXpmUm5SWVI0RkJTTl8xMjRrcGptVXEwSUZOMEhiV0c2Um5DbHBDTXBad3ZGMGUyckdPbzFZREM1WklsOThVQmZwOTVmT1lFSWRJb2FXcjVNamNn?oc=5) · Treasure Coast News
- 2020-06-11 [Bushey retires from Northstar Bank board - Huron County View](https://news.google.com/rss/articles/CBMihAFBVV95cUxPX3dsWFZVenlBLWU3WWg5NFo3WmF2akY2NWhMU3BFWHdOTy0xNXdYUjY1VWFpNzhpMC1vY3Y0cERoV2RfTmdVNlhBQ1p5U0RkWkVBVTRxemRKcXZxcC05bjhyTkpLMWoxUGdycVJ4VjYtemlsMDg3RGYtbzBIVjZwV2VUX24?oc=5) · Huron County View
- 2020-01-24 [St. Pete’s Freedom Bank sells to Seacoast - St Pete Catalyst](https://news.google.com/rss/articles/CBMidkFVX3lxTFBIY1NIZmxrLWJPRXA0RS1pelJ6VkpxWGIwaTduZ1VxR1c2clNLSVlPcUR1akYxYUdyM2NHRXp5U2FNd3FHTFRxQnlLbFcwbHAzUGcwQl9sbTUtZ3pzT2hNQzlidkxISHpjVXlqLXJ3Y21oZmNOZEE?oc=5) · St Pete Catalyst
- 2022-08-11 [Seacoast Bank names Tampa market president amid West Florida expansion - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQelhBdkg2ZmEtRFhZamdaaEo0ZGQ4Y2VPSjdqNER0MVI5ZkFiMU1aZ2daS2VCMW9remV4dnNCcGhwcnlRWkNCYmdBTUpXTlZUZGxVcDFWd3N2RFBjZ2VCNWJYU190WU9FQTRxM2lCazk2QUhCTWF1Z1VrWEUxaURJdVVrc0hFMkNTX2xYV2NESk5HQnNpNjVyTw?oc=5) · The Business Journals
- 2019-05-24 [Seacoast Bank makes several C-level shifts in Florida - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSVY1bWVyaW9KaUlpSTFLRkh5VEs2LVlTVWJLNlR6cWc4VXhGWnBfSXVCUEN3TzVKM25NVWd3TExNSVBZTVVLemQ2WktzTlFERXJ4bjZ4ZGEwblB2aTRZWmhrU0Q2T1FXOVMyWDlaVDRPd21qZFoxdm52X2dyQk9adzVpM1JJVlJlX3phVU9sTVFlS0M3MzU2a21tTXAyb3pMR2NUNjR3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58520 (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/24.json (key "58520", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide