Legal name: NORTHSTAR FINANCIAL GROUP, INC.
3 active banks · 2 merged/absorbed · $3.3B combined assets
RSSD ID: 2958990 (FFIEC NIC)
Combined Assets
$3.3B
CRA Rating Summary
Across all 25 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
3 of 3 banks · Meets expectations for community lending
Combined Assets
$3.3B
3 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$2.9B
Net Income
$10M
ROA (avg)
1.21%
asset-weighted avg
Aggregated HMDA data across all active charters for 2024.
Applications
421
Origination Rate
74.58%
Denial Rate
10.45%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| WEST MICHIGAN COMMUNITY BANK | HUDSONVILLE, MI | FDIC | $1.2B | 90.0% | Satisfactory | Oct 2018 |
| NORTHSTAR BANK | BAD AXE, MI | FDIC | $1.1B | 100.0% | Satisfactory | Feb 2016 |
| MAINSTREET COMMUNITY BANK OF FLORIDA | DELAND, FL | FDIC | $948M | 85.0% | Satisfactory | Oct 2025 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.