Northstar Bank (FDIC #57097): Bank Stress & Real-Estate Credit Exposure
Northstar Bank (FDIC Cert #57097): bank stress 69/100, elevated, STABLE over 7 days; parent NORTHSTAR FINANCIAL GROUP INC.
Northstar Bank (#57097) lends in 5 counties across 1 state; Northstar Bank (#57097) reaches 123 ZIP codes: Michigan 5 counties, 123 ZIPs.
Northstar Bank (#57097) largest markets: Macomb County, MI (39 branches, 39 ZIPs) (#57097), Washtenaw County, MI (27 branches, 27 ZIPs) (#57097), St. Clair County, MI (69 branches, 23 ZIPs) (#57097), Tuscola County, MI (42 branches, 21 ZIPs) (#57097), Huron County, MI (54 branches, 18 ZIPs) (#57097).
Northstar Bank (#57097) reports $1.16 billion in total assets; Northstar Bank (#57097) equity $101.3 million (8.7% of Northstar Bank (#57097) assets); Northstar Bank (#57097) domestic deposits $973.6 million; Northstar Bank (#57097) net income $7.4 million; Northstar Bank (#57097) return on assets 1.30%; Northstar Bank (#57097) return on equity 15.12%; Northstar Bank (#57097) net interest income $21.3 million; Northstar Bank (#57097) call report June 30, 2026.
Northstar Bank (#57097) noncurrent real-estate loans: none reported; Northstar Bank (#57097) net charge-offs on real estate 0.71%; Northstar Bank (#57097) residential charge-offs 0.47%.
Northstar Bank (#57097) net interest margin 3.97% against an eight-quarter Northstar Bank (#57097) average of 4.01% (Northstar Bank (#57097) compression 0.04 points); Northstar Bank (#57097) non-residential real estate 46.8% of equity; Northstar Bank (#57097) rate-exposure score 40/100, Northstar Bank (#57097) fixed-rate trap 40/100; Northstar Bank (#57097) risk type credit driven; Northstar Bank (#57097) rate regime rates elevated, Northstar Bank (#57097) snapshot October 19, 2026.
Northstar Bank (#57097) stress score moved from 67.9 on June 22, 2026 to 69.1 on October 19, 2026; Northstar Bank (#57097) ranged 67.9 to 69.1 over 116 snapshots.
Northstar Bank (#57097) alerts: 5 counties; top Northstar Bank (#57097) alert scores: Ann Arbor County, MI 25 (low); Caro County, MI 25 (low); New Haven County, MI 25 (low); Saint Clair County, MI 25 (low); Ubly County, MI 25 (low).