Star Bank (FDIC #5095): Bank Stress & Real-Estate Credit Exposure

Star Bank (FDIC Cert #5095): bank stress 80/100, severe, STABLE over 7 days; parent MIDWEST BCORP INC.

Star Bank (#5095) lends in 8 counties across 1 state; Star Bank (#5095) reaches 138 ZIP codes: Minnesota 8 counties, 138 ZIPs.

Star Bank (#5095) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#5095), Wright County, MN (38 branches, 19 ZIPs) (#5095), Todd County, MN (38 branches, 19 ZIPs) (#5095), Big Stone County, MN (11 branches, 11 ZIPs) (#5095), Grant County, MN (22 branches, 11 ZIPs) (#5095), Traverse County, MN (9 branches, 9 ZIPs) (#5095).

Star Bank (#5095) reports $445.8 million in total assets; Star Bank (#5095) equity $44.2 million (9.9% of Star Bank (#5095) assets); Star Bank (#5095) domestic deposits $384.6 million; Star Bank (#5095) net income $1.2 million; Star Bank (#5095) return on assets 0.52%; Star Bank (#5095) return on equity 5.41%; Star Bank (#5095) net interest income $10.9 million; Star Bank (#5095) call report June 30, 2026.

Star Bank (#5095) noncurrent real-estate loans: none reported; Star Bank (#5095) net charge-offs on real estate 1.24%; Star Bank (#5095) residential charge-offs 0.39%.

Star Bank (#5095) net interest margin 5.05% against an eight-quarter Star Bank (#5095) average of 4.72% (Star Bank (#5095) compression -0.33 points); Star Bank (#5095) non-residential real estate 38.7% of equity; Star Bank (#5095) rate-exposure score 40/100, Star Bank (#5095) fixed-rate trap 40/100; Star Bank (#5095) risk type credit driven; Star Bank (#5095) rate regime rates elevated, Star Bank (#5095) snapshot October 19, 2026.

Star Bank (#5095) stress score moved from 90.5 on June 22, 2026 to 80.4 on October 20, 2026; Star Bank (#5095) ranged 80.4 to 90.5 over 117 snapshots.

Star Bank (#5095) alerts: 8 counties; top Star Bank (#5095) alert scores: Eagle Bend County, MN 26 (low); Eden Prairie County, MN 26 (low); Elbow Lake County, MN 26 (low); Graceville County, MN 26 (low); Hancock County, MN 26 (low).