Northstar Bank
Bad Axe, MI
IDRSSD: 2958972
Total Assets
$1.14B
Latest filing
Total Deposits
$943.65M
Latest filing
Net Interest Margin
4.00%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072414064BAD AXE, MI
Key People
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Locations
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Main Office
Northstar Bank
833 S Van Dyke Rd
Bad Axe, MI 48413
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/2001FDIC Certificate 357498
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Northstar Bank (Main) | 833 S Van Dyke Rd | Bad Axe, MI |
| COMMUNITY BANK, CARO - BRANCH | 1100 E Caro Rd | Caro, MI |
| AKRON BRANCH | 3559 Main St | Akron, MI |
| PIGEON BRANCH | 7611 Pigeon Rd | Pigeon, MI |
| SEAWAY COMMUNITY BANK MAIN OFFICE BRANCH | 1960 Fred W Moore Hwy | Saint Clair, MI |
| ALGONAC BRANCH | 900 Point Tremble Rd | Algonac, MI |
| LENOX BRANCH | 66550 Gratiot Ave | Lenox, MI |
| PORT HURON BRANCH | 511 Fort St | Port Huron, MI |
Showing 7 of 10
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/01/2001 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 48413 |
| State and County Number | 26063 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 144 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/01/2001 |
| Primary Insurance Agency | DIF |
| Website | WWW.NORTHSTARATHOME.COM |
| Data Updated | 01/30/2026 |
| CERT | 57097 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.14B |
| Total Deposits | $943.65M |
| Total Liabilities | $1.05B |
| Total Equity Capital | $94.83M |
| Net Income | $4.29M |
| Net Loans and Leases | $952.54M |
| Assets Per Employee ($Millions) | $7.67M |
| Bank Premises and Fixed Assets | $22.86M |
| Cash and Balances due from Depository Institutions | $26.52M |
| Deposits Held in Domestic Offices | $943.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 17.88% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 56.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.293% |
| Earning Assets to total Assets | 93.29% |
Income and Expense
| Total Interest Income | $15.52M |
| Total Noninterest Income | $2.57M |
| Total Interest Expense | $4.99M |
| Total Noninterest Expense | $7.46M |
| Net Interest Income | $10.53M |
| Pre-tax Net Operating Income | $5.24M |
| Provision for Credit Losses | $400.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $6.36M |
| Other borrowed funds | $60.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.50M |
| Federal Funds Purchased and Repurchased Agreement | $35.50M |
| All Other Liabilities | $7.22M |
| Total Liabilities and Capital | $1.14B |
Securities
| Securities | $90.34M |
| Available-for-sale debt securities | $88.53M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $2.25M |
| Trading Liabilities | $2.25M |
Frequently Asked Questions
What are the total assets of Northstar Bank?
$1.14B as of the latest filing.
How much are Northstar Bank's total deposits?
$943.65M in total deposits.
Where is Northstar Bank located?
Bad Axe, MI.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
11.
When was it established?
02/01/2001.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$952.54M (latest filing).
What is the total interest income (latest filing)?
$15.52M.