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North Star Bank
Roseville, MN · FDIC Certificate #16733 · Chartered 02/0
Total assets
$378.73M
Total deposits
$340.81M
Total equity
$36.36M
Net loans
$243.03M
Branches (offices)
2
Net income (YTD)
$2.66M
Rank: #2,150 of 4,213 U.S. banks by assets · #69 of 221 in Minnesota. Assets changed -1.6% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 14.97% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 9.60% |
| Tier 1 leverage ratio | 11.00% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.86% |
| Loans to deposits | 71.3% |
| Real estate loans (share of loans) | 79.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $193.09M | 79.4% | |
| Commercial & industrial | $51.33M | 21.1% | |
| Consumer / individual | $1.05M | 0.4% | |
| Construction & development | $6.31M | 2.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $335.71M | $309.84M | $2.24M | $24.92M |
| Jun 2023 | $335.54M | $309.40M | $1.46M | $24.44M |
| Jun 2024 | $372.66M | $342.69M | $883.00K | $26.79M |
| Jun 2025 | $385.05M | $351.52M | $1.99M | $31.27M |
| Jun 2026 | $378.73M | $340.81M | $2.66M | $36.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $340.81M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $340.81M.
Similar-sized banks
Bank Of Hays ($379.20M) · 5Star Bank ($378.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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