NorthStar Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability.
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 17.5 percent. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Asset Mix:
Securities (15%), home mtgs (13%), cash (6%), comm re (4%), comm loans (2%), home eq lns (1%), consumer loans (1%), other (58%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
--
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Van Diest Investment Company
Investment Rating
--
Address
2202 Central Avenue
Estherville, IA 51334
Estherville, IA 51334
Phone Number
(712) 362-3322
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.