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Bankstar Financial
Elkton, SD · FDIC Certificate #496 · Chartered 03/2
Total assets
$363.46M
Total deposits
$302.14M
Total equity
$34.82M
Net loans
$281.71M
Branches (offices)
3
Net income (YTD)
$2.72M
Rank: #2,188 of 4,213 U.S. banks by assets · #25 of 56 in South Dakota. Assets changed 10.8% and deposits 12.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 16.14% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 9.42% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 70.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $197.67M | 70.2% | |
| Commercial & industrial | $49.56M | 17.6% | |
| Consumer / individual | $3.00M | 1.1% | |
| Construction & development | $8.20M | 2.9% | |
| Agricultural | $34.15M | 12.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $236.37M | $210.60M | $1.34M | $19.33M |
| Jun 2023 | $268.06M | $215.18M | $1.10M | $20.60M |
| Jun 2024 | $310.72M | $244.77M | $1.02M | $25.55M |
| Jun 2025 | $328.07M | $267.55M | $2.05M | $30.20M |
| Jun 2026 | $363.46M | $302.14M | $2.72M | $34.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $302.14M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $302.14M.
Similar-sized banks
The First National Bank Of Bangor ($363.67M) · Shelby County State Bank ($363.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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