Bank Star

Headquarters

1999 West Osage Street
Pacific, MO 63069
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.35% 1.01% →
2-Year CD 0.55% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank Star is an FDIC insured institution located in Pacific, MO. It was founded in 1975 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21897
Date Established 1975
Assets $ 138.48 million
Loans $ 110.20 million
Deposits $ 115.17 million
Capital $ 15.36 million
 

For a more detailed analysis of Bank Star's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank Star

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Bank Star
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Branches

Bank Star branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Bank Star Locations


Financial Details

Bank Star Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank Star. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank Star U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Bank Star had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,355,000 in equity and $1,223,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank Star U.S. Bank Average
7.51% 7.80%

Bank Star has a Return on Equity of 7.51% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank Star U.S. Bank Average
11.09% 12.68%

Bank Star has a Capitalization of 11.09% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank Star Balance Sheet Analysis

As of March 31, 2020, Bank Star had assets of $138,476,000, loans of $110,203,000, and deposits of $115,165,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 14.38 million
Interest-bearing balances $ 7.83 million
Total securities $ 6.62 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 110.20 million
Loan loss allowance $ 1.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.07 million
All other assets $ 1.70 million
     Total Assets $ 123.12 million
LIABILITIES
Total deposits $ 115.17 million
      Interest-bearing deposits $ 86.12 million
      Deposits held in domestic offices $ 115.17 million
      % insured (estimated) 88.12%
Federal funds purchased and repurchase agreements $ 7.00 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.96 million
      Total Liabilities $ 123.12 million
      Shareholders’ Equity $ 15.36 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.50 million
Total Interest Expense $ 0.21 million
Net interest income $ 1.29 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.13 million
Total non interest expense $ 1.04 million
Pre-tax Net Operating Income $ 0.38 million

Bank Loan Profile?

The top three loan types in Bank Star’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Missouri, Bank Star has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 44.22
Multifamily
Mortgages
6.83
Credit Card Loans 0.00
Consumer Auto Loans 1.75
Small Business Loans 0.00
Construction and Development Loans 8.64
Commercial Real Estate 28.62
Commercial and Industrial Loans 7.26
Farm Loans 0.00

Frequently Asked Questions About Bank Star

Branches and Savings

Is Bank Star FDIC insured?

Yes. It is covered under FDIC Certificate #21897.

Why does Bank Star pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Star CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Star a commercial bank?

Yes

Where are Bank Star locations?

See branch locations nearby.

Is Bank Star open on Saturdays?

Is Bank Star open on Sundays?

What time does Bank Star open?

What time does Bank Star close?

Are Bank Star ATMs Open 24/7?

Do Bank Star ATMs accept cash deposits?

Can Bank Star customers use other ATMs?

Do Bank Star branches have notaries?

Will Bank Star notarize my document?

What address for Bank Star should I put for incoming ACH transfers?

Will the Bank Star branch print checks?

Do Bank Star checks expire?

Does Bank Star require US citizenship to open account?

Can Bank Star close my account?

Does Bank Star Report to credit bureaus?

Does Bank Star Use Equifax?

What is Bank Star's ACH Routing Number?

What is Bank Star's SWIFT code?

Products

Does Bank Star offer mortgages?

Compare mortgage rates here.

Does Bank Star offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Star offer personal loans?

Compare personal loan rates here.

Does Bank Star offer student loans?

Will Bank Star cash a check?

Will Bank Star redeem a savings bond?

Does Bank Star cash savings bonds?

Will Bank Star cash money orders?

Can Bank Star issue a money order?

Does Bank Star do currency exchange?

Background on The Bank

Who owns Bank Star?

How long has Bank Star been around?

Can Bank Star transfer to other banks?

Does Bank Star have quick pay?

Does Bank Star accept rolled coins?

Will Bank Star accept loose change?

Where is Bank Star headquarters?

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