BankStar Financial
Elkton, SD
IDRSSD: 109453
Total Assets
$350.39M
Latest filing
Total Deposits
$292.71M
Latest filing
Net Interest Margin
4.07%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
BankStar Financial
124 Elk St
Elkton, SD 57026
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/20/1926FDIC Certificate 357
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| BankStar Financial (Main) | 124 Elk St | Elkton, SD |
| BROOKINGS BRANCH | 1301 6th St | Brookings, SD |
| BANKSTAR FINANCIAL - VOLGA BRANCH | 424 East Hwy 14 | Volga, SD |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/20/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57026 |
| State and County Number | 46011 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Brookings, SD |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.ebankstar.bank |
| Data Updated | 01/30/2026 |
| CERT | 496 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $350.39M |
| Total Deposits | $292.71M |
| Total Liabilities | $317.38M |
| Total Equity Capital | $33.01M |
| Net Income | $1.36M |
| Net Loans and Leases | $269.66M |
| Assets Per Employee ($Millions) | $8.34M |
| Bank Premises and Fixed Assets | $8.69M |
| Cash and Balances due from Depository Institutions | $29.42M |
| Deposits Held in Domestic Offices | $292.71M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 16.81% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 55.96% |
| Tier 1 Risk-Based Capital Ratio | 11.775% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.421% |
| Earning Assets to total Assets | 93.85% |
Income and Expense
| Total Interest Income | $5.34M |
| Total Noninterest Income | $216.00k |
| Total Interest Expense | $2.06M |
| Total Noninterest Expense | $1.96M |
| Net Interest Income | $3.29M |
| Pre-tax Net Operating Income | $1.44M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $23.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $340.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.67M |
| Total Liabilities and Capital | $350.39M |
Securities
| Securities | $33.80M |
| Available-for-sale debt securities | $33.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of BankStar Financial?
$350.39M as of the latest filing.
How much are BankStar Financial's total deposits?
$292.71M in total deposits.
Where is BankStar Financial located?
Elkton, SD.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
3.
When was it established?
03/20/1926.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$269.66M (latest filing).
What is the total interest income (latest filing)?
$5.34M.