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Northstar Bank
Bad Axe, MI · FDIC Certificate #57097 · Chartered 02/0
Total assets
$1.16B
Total deposits
$973.57M
Total equity
$101.33M
Net loans
$983.02M
Branches (offices)
10
Net income (YTD)
$7.45M
Rank: #919 of 4,213 U.S. banks by assets · #15 of 72 in Michigan. Assets changed 11.4% and deposits 13.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 15.12% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 8.72% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 28.4% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 101.0% |
| Real estate loans (share of loans) | 79.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $780.22M | 79.4% | |
| Commercial & industrial | $148.46M | 15.1% | |
| Consumer / individual | $9.40M | 1.0% | |
| Construction & development | $39.34M | 4.0% | |
| Agricultural | $30.80M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $901.09M | $817.72M | $4.78M | $73.31M |
| Jun 2023 | $934.86M | $812.62M | $6.81M | $80.45M |
| Jun 2024 | $977.16M | $878.13M | $5.40M | $85.60M |
| Jun 2025 | $1.04B | $861.18M | $5.85M | $92.46M |
| Jun 2026 | $1.16B | $973.57M | $7.45M | $101.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $973.57M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $973.57M.
Similar-sized banks
First National Bank And Trust Company Of Newtown ($1.17B) · Pointbank ($1.16B)
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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