Bank Star One

118 West 5th Street
Fulton, MO 65251

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank Star One is an FDIC insured institution located in Fulton, MO. It was founded in 1959 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 18124
Date Established 1959
Assets $0.09 billion
Loans $0.05 billion
Deposits $0.06 billion
Capital $0.02 billion

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

Deposit Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Bank Star One, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank Star One

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
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Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
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Note to Bank Star One
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Financial Details

Bank Star One Ratio Analysis

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

Texas Ratio
Bank Star One U.S. Bank Average
2.79% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2019, Bank Star One had $97,000 in non-current loans and $377,000 in owned real estate. To cover these potential losses it had $16,986,000 in equity and $3,000 in loans loss reserves. That gives it a Texas Ratio of 2.79%.

Return on Equity
Bank Star One U.S. Bank Average
2.8% 9.72%

Bank Star One has a Return on Equity of 2.8% versus the BestCashCow average of 9.72%. 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.

Bank Star One U.S. Bank Average
18.78% 12.89%

Bank Star One has a Capitalization of 18.78% versus the BestCashCow average of 12.89. 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 One Balance Sheet Analysis

As of June 30, 2017, Bank Star One had assets of $96,175,000, loans of $49,176,000, and deposits of $61,541,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Missouri, Bank Star One has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 50.00
Credit Card Loans 0.00
Consumer Auto Loans 0.59
Small Business Loans 22.35
Construction and Development Loans 7.76
Commercial Real Estate 31.64
Commercial and Industrial Loans 3.10
Farm Loans 0.32

Frequently Asked Questions About Bank Star One

Branches and Savings

Is Bank Star One FDIC insured?

Yes. It is covered under FDIC Certificate #18124.

Why does Bank Star One 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 One CD rates not competitive?

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

Is Bank Star One a commercial bank?


Where are Bank Star One locations?

See branch locations nearby.

Is Bank Star One open on Saturdays?

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Are Bank Star One ATMs Open 24/7?

Do Bank Star One ATMs accept cash deposits?

Can Bank Star One customers use other ATMs?

Do Bank Star One branches have notaries?

Will Bank Star One notarize my document?

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

Will the Bank Star One branch print checks?

Do Bank Star One checks expire?

Does Bank Star One require US citizenship to open account?

Can Bank Star One close my account?

Does Bank Star One Report to credit bureaus?

Does Bank Star One Use Equifax?

What is Bank Star One's ACH Routing Number?

What is Bank Star One's SWIFT code?


Does Bank Star One offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Star One offer personal loans?

Compare personal loan rates here.

Does Bank Star One offer student loans?

Will Bank Star One cash a check?

Will Bank Star One redeem a savings bond?

Does Bank Star One cash savings bonds?

Will Bank Star One cash money orders?

Can Bank Star One issue a money order?

Does Bank Star One do currency exchange?

Background on The Bank

Who owns Bank Star One?

How long has Bank Star One been around?

Can Bank Star One transfer to other banks?

Does Bank Star One have quick pay?

Does Bank Star One accept rolled coins?

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