🏦Bank Scorer

NORTHSTAR BANK

BAD AXE, MI · Supervised by FDIC

Est. 2001FDIC #57,097RSSD: FDIC-57097
Part ofNORTHSTAR FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.28%

Institution Profile

FDIC BankFind

Address

833 S Van Dyke Rd, BAD AXE, MI

County

Huron County

Established

February 1, 2001

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$980M

Net Loans

$961M

Net Income

$4M

ROA

1.28%

ROE

15.04%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.75%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$861M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412983.72%7.75%
202312180.99%6.61%
202214981.88%11.41%
202126380.23%9.13%
202040586.67%5.93%
201924779.76%10.12%
201820679.61%8.74%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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