NorthStar Bank


2202 Central Avenue
Estherville, IA 51334
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.50% 1.01% →
2-Year CD 0.90% 0.95% →
5-Year CD 1.26% 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

NorthStar Bank is an FDIC insured institution located in Estherville, IA. It was founded in 1997 and has approximately $0.2 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 34407
Date Established 1997
Assets $ 195.16 million
Loans $ 134.97 million
Deposits $ 169.66 million
Capital $ 25.07 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 - October 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $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
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.16% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 22, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to NorthStar Bank
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NorthStar Bank Locations

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
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, NorthStar Bank had $1,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,071,000 in equity and $1,867,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
NorthStar Bank U.S. Bank Average
10.24% 7.80%

NorthStar Bank has a Return on Equity of 10.24% 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.

NorthStar Bank U.S. Bank Average
12.85% 12.68%

NorthStar Bank has a Capitalization of 12.85% 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.

NorthStar Bank Balance Sheet Analysis

As of March 31, 2020, NorthStar Bank had assets of $195,155,000, loans of $134,969,000, and deposits of $169,658,000. 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
Cash & Balances due from depository institutions $ 35.79 million
Interest-bearing balances $ 32.31 million
Total securities $ 16.20 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 134.97 million
Loan loss allowance $ 1.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 4.27 million
All other assets $ 1.83 million
     Total Assets $ 170.08 million
Total deposits $ 169.66 million
      Interest-bearing deposits $ 148.86 million
      Deposits held in domestic offices $ 169.66 million
      % insured (estimated) 70.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.43 million
      Total Liabilities $ 170.08 million
      Shareholders’ Equity $ 25.07 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.80 million
Total Interest Expense $ 0.37 million
Net interest income $ 1.43 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 0.20 million
Total non interest expense $ 0.98 million
Pre-tax Net Operating Income $ 0.65 million

Bank Loan Profile?

The top three loan types in NorthStar Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, NorthStar Bank’s loan portfolio does not show any specific loan specialty.

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 20.76
Credit Card Loans 0.00
Consumer Auto Loans 0.98
Small Business Loans 0.00
Construction and Development Loans 2.20
Commercial Real Estate 6.47
Commercial and Industrial Loans 7.36
Farm Loans 31.44

Frequently Asked Questions About Northstar Bank

Branches and Savings

Is Northstar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34407.

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?

See branch locations nearby.

Is Northstar Bank open on Saturdays?

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Are Northstar Bank ATMs Open 24/7?

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Can Northstar Bank customers use other ATMs?

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?

Will Northstar Bank redeem a savings bond?

Does Northstar Bank cash savings bonds?

Will Northstar Bank cash money orders?

Can Northstar Bank issue a money order?

Does Northstar Bank do currency exchange?

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?

Will Northstar Bank accept loose change?

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