Northstar Bank


400 North Carroll
Denton, TX 76201
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Northstar Bank is an FDIC insured institution located in Denton, TX. It was founded in 1919 and has approximately $2.17 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 11561
Date Established 1919
Assets $ 2.19 billion
Loans $ 1,394.71 million
Deposits $ 1,844.25 million
Capital $ 303.20 million

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

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Northstar Bank

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 2021

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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.694% 2.625%
0.88 points
$2,270 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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BMO Harris Bank
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After Intro: 4.840 %
Intro Period: 6 months
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Note to Northstar Bank
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Financial Details

Northstar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northstar Bank. 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
Northstar Bank U.S. Bank Average
5.76% 5.29%

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, 2021, Northstar Bank had $11,057,000 in non-current loans and $7,324,000 in owned real estate. To cover these potential losses it had $303,204,000 in equity and $15,859,000 in loans loss reserves. That gives it a Texas Ratio of 5.76%.

Return on Equity
Northstar Bank U.S. Bank Average
7.5% 11.43%

Northstar Bank has a Return on Equity of 7.5% versus the BestCashCow average of 11.43%. 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.

Northstar Bank U.S. Bank Average
13.84% 11.51%

Northstar Bank has a Capitalization of 13.84% versus the BestCashCow average of 11.51. 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.

Northstar Bank Balance Sheet Analysis

As of March 31, 2017, Northstar Bank had assets of $2,169,104,000, loans of $1,394,710,000, and deposits of $1,844,246,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,394.71 million
Loan loss allowance $ 15.86 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.32 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 1,844.25 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 2.19 billion

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Northstar Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Texas, Northstar Bank has a significantly higher percent of 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 13.32
Credit Card Loans 0.00
Consumer Auto Loans 0.19
Small Business Loans 13.08
Construction and Development Loans 15.65
Commercial Real Estate 34.96
Commercial and Industrial Loans 18.06
Farm Loans 3.05

Frequently Asked Questions About Northstar Bank

Branches and Savings

Is Northstar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11561.

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

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

Why are Northstar Bank CD rates not competitive?

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

Is Northstar Bank a commercial bank?


Where are Northstar Bank locations?

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Is Northstar Bank open on Saturdays?

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Are Northstar Bank ATMs Open 24/7?

Do Northstar Bank ATMs accept cash deposits?

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Do Northstar Bank branches have notaries?

Will Northstar Bank notarize my document?

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

Will the Northstar Bank branch print checks?

Do Northstar Bank checks expire?

Does Northstar Bank require US citizenship to open account?

Can Northstar Bank close my account?

Does Northstar Bank Report to credit bureaus?

Does Northstar Bank Use Equifax?

What is Northstar Bank's ACH Routing Number?

What is Northstar Bank's SWIFT code?


Does Northstar Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Northstar Bank offer personal loans?

Compare personal loan rates here.

Does Northstar Bank offer student loans?

Will Northstar Bank cash a check?

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Does Northstar Bank cash savings bonds?

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Background on The Bank

Who owns Northstar Bank?

How long has Northstar Bank been around?

Can Northstar Bank transfer to other banks?

Does Northstar Bank have quick pay?

Does Northstar Bank accept rolled coins?

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