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STAR Financial Bank
Fort Wayne, IN·FDIC Cert #27235·Charter: STATE·Est. 19880502.0·HC: STAR FINANCIAL GROUP INC
Total Assets
$3.2B
Q4 2025
Return on Assets
1.01%
+0.18%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.80%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.18
ROE
11.58%+1.94
Efficiency
71.80%+0.37
Equity/Assets
0.00%+0.00
NPL Ratio
0.51%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
65.56%-0.71
Charge-offs
-0.44%-0.49
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.0 | 1.0 | 0.9 | 0.8 | 0.9 | 0.8 | 1.0 |
| ROE | 15.0 | 13.4 | 12.0 | 11.2 | 9.8 | 10.1 | 9.6 | 11.6 |
| Efficiency | 65.0 | 67.5 | 69.8 | 71.6 | 71.9 | 71.0 | 71.4 | 71.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | 0.5 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -0.4 |
| Loan/Deposit | 64.1 | 63.8 | 63.3 | 66.0 | 67.9 | 66.9 | 66.3 | 65.6 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.8B
Total Loans$1.9B
Total Equity$290.3M
Profitability
ROA1.01%
ROE11.58%
Efficiency Ratio71.80%
Net Income$30.8M
Risk & Asset Quality
NPL Ratio0.51%
Charge-off Rate-0.44%
Loan/Deposit65.56%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans