Northstar Bank of Texas

Headquarters

400 North Carroll
Denton, TX 76201
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
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 of Texas is an FDIC insured institution located in Denton, TX. It was founded in 1973 and has approximately $1.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 20935
Date Established 1973
Assets $ 1,015.40 million
Loans $ 556.85 million
Deposits $ 870.35 million
Capital $ 136.57 million
 

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

Deposit Rates - September 26, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Northstar Bank of Texas

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

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Featured - Virginia 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
2.990 %
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Note to Northstar Bank of Texas
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Branches

Northstar Bank of Texas 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:
Ashburn,Virginia


Northstar Bank of Texas Locations


Financial Details

Northstar Bank of Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northstar Bank of Texas. 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
Northstar Bank of Texas U.S. Bank Average
13.1% 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 of Texas had $9,133,000 in non-current loans and $8,760,000 in owned real estate. To cover these potential losses it had $136,570,000 in equity and $69,000 in loans loss reserves. That gives it a Texas Ratio of 13.1%.

Return on Equity
Northstar Bank of Texas U.S. Bank Average
2.65% 7.80%

Northstar Bank of Texas has a Return on Equity of 2.65% 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
Northstar Bank of Texas U.S. Bank Average
13.45% 12.68%

Northstar Bank of Texas has a Capitalization of 13.45% 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 of Texas Balance Sheet Analysis

As of September 30, 2012, Northstar Bank of Texas had assets of $1,015,402,000, loans of $556,845,000, and deposits of $870,347,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 556.85 million
Loan loss allowance $ 0.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 8.76 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 870.35 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 $ 1,015.40 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 of Texas’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Texas, Northstar Bank of Texas has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 16.47
Multifamily
Mortgages
1.86
Credit Card Loans 0.00
Consumer Auto Loans 0.71
Small Business Loans 15.72
Construction and Development Loans 12.92
Commercial Real Estate 44.13
Commercial and Industrial Loans 13.81
Farm Loans 0.09

Frequently Asked Questions About Northstar Bank Of Texas

Branches and Savings

Is Northstar Bank Of Texas FDIC insured?

Yes. It is covered under FDIC Certificate #20935.

Why does Northstar Bank Of Texas 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 Of Texas CD rates not competitive?

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

Is Northstar Bank Of Texas a commercial bank?

Yes

Where are Northstar Bank Of Texas locations?

See branch locations nearby.

Is Northstar Bank Of Texas open on Saturdays?

Is Northstar Bank Of Texas open on Sundays?

What time does Northstar Bank Of Texas open?

What time does Northstar Bank Of Texas close?

Are Northstar Bank Of Texas ATMs Open 24/7?

Do Northstar Bank Of Texas ATMs accept cash deposits?

Can Northstar Bank Of Texas customers use other ATMs?

Do Northstar Bank Of Texas branches have notaries?

Will Northstar Bank Of Texas notarize my document?

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

Will the Northstar Bank Of Texas branch print checks?

Do Northstar Bank Of Texas checks expire?

Does Northstar Bank Of Texas require US citizenship to open account?

Can Northstar Bank Of Texas close my account?

Does Northstar Bank Of Texas Report to credit bureaus?

Does Northstar Bank Of Texas Use Equifax?

What is Northstar Bank Of Texas's ACH Routing Number?

What is Northstar Bank Of Texas's SWIFT code?

Products

Does Northstar Bank Of Texas offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Northstar Bank Of Texas offer personal loans?

Compare personal loan rates here.

Does Northstar Bank Of Texas offer student loans?

Will Northstar Bank Of Texas cash a check?

Will Northstar Bank Of Texas redeem a savings bond?

Does Northstar Bank Of Texas cash savings bonds?

Will Northstar Bank Of Texas cash money orders?

Can Northstar Bank Of Texas issue a money order?

Does Northstar Bank Of Texas do currency exchange?

Background on The Bank

Who owns Northstar Bank Of Texas?

How long has Northstar Bank Of Texas been around?

Can Northstar Bank Of Texas transfer to other banks?

Does Northstar Bank Of Texas have quick pay?

Does Northstar Bank Of Texas accept rolled coins?

Will Northstar Bank Of Texas accept loose change?

Where is Northstar Bank Of Texas headquarters?

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