STAR Financial Bank: how it compares with its peers
Against 467 U.S. banks with half to twice its assets, STAR Financial Bank's strongest measure in Q2 2026 is return on assets (1.01% vs. a 1.27% peer median). Its weakest relative measure is efficiency ratio (67.69% vs. 58.49%).
| Measure | STAR Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.27% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 3.68% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.69% | 58.49% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $9.1M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.18% | 88.46% | Context |
What it means for lending operations
Its efficiency ratio of 67.69% is above the 58.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Questions about STAR Financial Bank
How big is STAR Financial Bank?
STAR Financial Bank, established in 1988, is headquartered in Fort Wayne, IN. It reported $3.23B in total assets in its Q2 2026 FDIC call report and operates 37 offices.
What is STAR Financial Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.27% median for 467 U.S. banks with half to twice its assets, ahead of 28% of them.
What is STAR Financial Bank's efficiency ratio?
67.69% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 58.49%, and lower is better.
Is STAR Financial Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 7.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.