NorthStar Bank
Estherville, IA
IDRSSD: 2562137
Total Assets
$206.82M
Latest filing
Total Deposits
$173.23M
Latest filing
Net Interest Margin
3.37%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
NorthStar Bank
2202 Central Ave
Estherville, IA 51334
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1997FDIC Certificate 57170
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| NorthStar Bank (Main) | 2202 Central Ave | Estherville, IA |
| ESTHERVILLE - DOWNTOWN DRIVEUP | 508 1st Ave N | Estherville, IA |
| ARMSTRONG BRANCH | 403 4th Ave | Armstrong, IA |
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 | 04/01/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51334 |
| State and County Number | 19063 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | N/A |
Operational Info
| Number of Employees | 22 |
| 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 | 04/01/1997 |
| Primary Insurance Agency | DIF |
| Website | http://WWW.NORTHSTARBANKIOWA.COM |
| Data Updated | 11/14/2025 |
| CERT | 34407 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $206.82M |
| Total Deposits | $173.23M |
| Total Liabilities | $174.40M |
| Total Equity Capital | $32.42M |
| Net Income | $658.00k |
| Net Loans and Leases | $137.69M |
| Assets Per Employee ($Millions) | $9.4M |
| Bank Premises and Fixed Assets | $2.00M |
| Cash and Balances due from Depository Institutions | $22.61M |
| Deposits Held in Domestic Offices | $173.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 8.24% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 50.25% |
| Tier 1 Risk-Based Capital Ratio | 14.558% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.678% |
| Earning Assets to total Assets | 90.24% |
Income and Expense
| Total Interest Income | $2.39M |
| Total Noninterest Income | $265.00k |
| Total Interest Expense | $855.00k |
| Total Noninterest Expense | $945.00k |
| Net Interest Income | $1.53M |
| Pre-tax Net Operating Income | $854.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.16M |
| Total Liabilities and Capital | $206.82M |
Securities
| Securities | $29.17M |
| Available-for-sale debt securities | $29.17M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of NorthStar Bank?
$206.82M as of the latest filing.
How much are NorthStar Bank's total deposits?
$173.23M in total deposits.
Where is NorthStar Bank located?
Estherville, IA.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
3.
When was it established?
04/01/1997.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$137.69M (latest filing).
What is the total interest income (latest filing)?
$2.39M.