Vitals
  • Total Assets
    596.4M 13.1 %
  • Total Deposits
    528.3M 15.9 %
  • Total Net Loans
    485.8M 10.1 %
  • Net Income
    7.2M 18.0 %
  • Book Value
    55.4M 5.8 %
  • Book Value x2
    110.8M 5.8 %
  • Book Value x3
    166.1M 5.8 %
ROAA

1.3

ROAE

13.23

Efficiency Ratio

70.175

Net Interest Margin

4.102

Balance Sheet Highlights
Financial Highlights Northstar Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 596,435 330,697
Total Net Loans 485,829 227,599
Total Deposits 528,301 278,247
Total Equity 55,383 33,935
Profitability
Net Income 7,197 3,589
Return on Average Assets 1.3 .954
Return on Average Equity 13.23 8.772
Net Interest Margin 4.102 3.821
Efficiency Ratio 70.175 71.925
Noninterest Income/Revenue 12.318 24.061
Balance Sheet Ratios
Loan-to-Deposit 91.961 76.845
Securities/Assets .06 .16
Total Equity/Total Assets .093 .103
Tangible Equity/Tangible Assets .087 .098
Capital Adequacy
Tier 1 Common Capital 52,081 32,553
Tier 1 Capital 52,081 32,664
Tier 2 Capital 6,556 2,479
Total Capital 58,637 35,133
Total Risk Weighted Assets 522,720 242,208
Leverage Ratio 9.18 10.341
Common Equity Tier 1 Capital Ratio 9.96 15.339
Tier 1 Capital Ratio 9.96 15.393
Total Capital Ratio 11.22 16.423

Timeline for Northstar Bank

Seaway Community Bank

Acquisition: Northstar Bank acquired a new subsidiary, Seaway Community Bank, 10 years

View Profile Oct 21 2013

Northstar Financial Group Innovations Llc

Northstar Financial Group Innovations Llc became a new subsidiary organization for Northstar Bank.

View Profile Jan 01 2013

Valley Financial Services, Inc.

Valley Financial Services, Inc. became a new subsidiary organization for Northstar Bank.

View Profile Jul 01 2012

Community Bank

Acquisition: Northstar Bank acquired a new subsidiary, Community Bank, 17 years

View Profile Feb 05 2007

Northstar Bank

Northstar Bank was established 23 years ago and is currently headquartered in Bad Axe, MI.

Feb 01 2001

Want to see more?

Complete timeline for Northstar Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Seaway Community Bank Seller 202,701 Pooling of Interests Discontinued 10/21/2013
Community Bank Seller 77,822 Pooling of Interests Discontinued 2/5/2007
Relationships Role Relationship Start Relationship End
Northstar Financial Group, Inc. Parent 2/1/2001
Valley Financial Services, Inc. Subsidary 7/1/2012
Northstar Financial Group Innovations Llc Subsidary 1/1/2013
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