Star Financial Bank Mortgage Rates, Fees & Info

Fort Wayne, IN

LEI: LBIZXW7X2N50PETIH863

Tax ID: 35-1719464

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Star Financial Bank is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Star Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Indianapolis, Fort Wayne, Muncie, Angola, and Marion among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Star Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Star Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.95% 11/21/24
    30 Year Conventional Purchase 6.76% 11/21/24
    30 Year Conventional Refi 6.64% 11/21/24
    30 Year Cash-out Refi 6.73% 11/21/24
    30 Year FHA Purchase 6.27% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.37% 11/21/24
    15 Year Conventional Refi 6.21% 11/21/24
    15 Year Cash-out Refi 6.21% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Star Financial Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Star Financial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,439

    Origination Dollar Volume (All Markets)

    $262,825,000

    Employee count

    464

    Awards

    STAR Financial Bank 30 Year Conventional Loans silver STAR Financial Bank 30 Year Conventional Loans gold
    Show all (2) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 505 $118,485,000 $234,624 $3,476 3.32%
    FORT WAYNE, IN (FHA|USDA|VA) 372 $64,530,000 $173,468 $3,061 3.25%
    MUNCIE, IN (FHA|USDA|VA) 95 $10,815,000 $113,842 $2,957 3.30%
    Angola, IN (FHA|USDA|VA) 46 $10,070,000 $218,913 $3,402 3.18%
    Marion, IN (FHA|USDA|VA) 87 $8,805,000 $101,207 $2,775 3.24%
    New Castle, IN (FHA|USDA|VA) 74 $7,960,000 $107,568 $3,458 3.26%
    Outside of Metro Areas 61 $7,115,000 $116,639 $2,615 3.41%
    KOKOMO, IN (FHA|USDA|VA) 58 $6,750,000 $116,379 $2,732 3.45%
    Warsaw, IN (FHA|USDA|VA) 21 $5,055,000 $240,714 $2,701 3.17%
    Kendallville, IN (FHA|USDA|VA) 23 $3,215,000 $139,783 $2,904 3.21%
    Auburn, IN (FHA|USDA|VA) 17 $2,215,000 $130,294 $2,921 3.15%
    BLOOMINGTON, IN (FHA|USDA|VA) 4 $1,850,000 $462,500 $3,806 2.91%
    Breckenridge, CO (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $5,049 2.38%
    Huntington, IN (FHA|USDA|VA) 8 $1,330,000 $166,250 $3,186 3.16%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,250,000 $312,500 $5,987 3.16%
    Bluffton, IN (FHA|USDA|VA) 8 $980,000 $122,500 $2,330 3.45%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $980,000 $490,000 $5,848 3.19%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $835,000 $278,333 $6,660 3.17%
    Coldwater, MI (FHA|USDA|VA) 4 $780,000 $195,000 $4,111 2.94%
    Wabash, IN (FHA|USDA|VA) 7 $755,000 $107,857 $2,215 3.34%
    Durango, CO (FHA|USDA|VA) 1 $735,000 $735,000 $3,805 3.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $630,000 $315,000 $3,992 2.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $605,000 $605,000 $5,630 2.75%
    Peru, IN (FHA|USDA|VA) 5 $595,000 $119,000 $2,957 3.28%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $595,000 $119,000 $3,187 3.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,287 2.81%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $465,000 $465,000 $3,157 2.50%
    Logansport, IN (FHA|USDA|VA) 3 $395,000 $131,667 $3,595 3.25%
    Decatur, IN (FHA|USDA|VA) 2 $380,000 $190,000 $3,247 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $360,000 $180,000 $3,574 3.13%
    Plymouth, IN (FHA|USDA|VA) 1 $335,000 $335,000 $5,363 2.88%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $325,000 $108,333 $3,087 2.96%
    COLUMBUS, OH (FHA|USDA|VA) 1 $325,000 $325,000 $4,241 3.13%
    Crawfordsville, IN (FHA|USDA|VA) 1 $265,000 $265,000 $4,354 3.13%
    Seymour, IN (FHA|USDA|VA) 2 $250,000 $125,000 $2,245 3.38%
    Greensburg, IN (FHA|USDA|VA) 1 $215,000 $215,000 $4,662 3.88%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,708 3.00%
    Defiance, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,051 2.75%
    JACKSON, MI (FHA|USDA|VA) 1 $155,000 $155,000 $6,112 2.88%
    Hillsdale, MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,919 2.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
    Richmond, IN (FHA|USDA|VA) 1 $35,000 $35,000 $2,379 3.50%
    Star Financial Bank's top markets include Indianapolis, Fort Wayne, Muncie, Angola, and Marion among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against STAR Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PrimeTrust Financial Federal Credit Union
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    Fire Police City County Federal Credit Union
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    Independent Federal Credit Union
    Similarity Rank: 441
    Madison County Federal Credit Union
    Similarity Rank: 488
    ProFed Federal Credit Union
    Similarity Rank: 576
    MIDWEST AMERICA
    Similarity Rank: 620
    Security Federal Savings Bank
    Similarity Rank: 855
    FORT FINANCIAL Federal Credit Union
    Similarity Rank: 1081

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 945 $226,305,000 $239,476 $3,222 3.02%
    HELOC 493 $36,465,000 $73,966 n/a 3.78%
    FHA 1 $55,000 $55,000 $0 4.75%

    For 2020, Star Financial Bank's most frequently originated type of loan was Conventional, with 945 originations. Their 2nd most popular type was HELOC, with 493 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 440 $104,630,000 $237,795 $2,789 2.99%
    Cash Out Refi 431 $71,685,000 $166,323 $3,619 3.25%
    Home Purchase 248 $63,580,000 $256,371 $3,409 3.21%
    Home Improvement 239 $16,435,000 $68,766 $0 3.76%
    Other 81 $6,495,000 $80,185 $0 3.79%

    For 2020, Star Financial Bank's most frequently cited loan purpose was Refi, with 440 originations. The 2nd most popular reason was Cash Out Refi, with 431 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 582 $51,900,000 $89,175 $2,310 3.59%
    30 Year 439 $122,195,000 $278,349 $3,448 3.23%
    15 Year 219 $43,695,000 $199,521 $3,016 2.75%
    20 Year 107 $19,615,000 $183,318 $3,184 3.03%
    Other 56 $12,450,000 $222,321 $3,005 2.87%
    30+ year 29 $12,515,000 $431,552 $4,958 3.37%
    5 Year 6 $350,000 $58,333 $0 3.96%
    1 Year 1 $105,000 $105,000 $0 3.50%

    For 2020, Star Financial Bank's most frequently cited loan duration was 10 Year, with 582 originations. The 2nd most popular length was 30 Year, with 439 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 408 $85,330,000 $209,142
    $<1k 287 $89,805,000 $312,909
    $2k-3k 145 $25,665,000 $177,000
    $3k-4k 49 $10,235,000 $208,878
    $5k+ 30 $9,300,000 $310,000
    $4k-5k 25 $5,955,000 $238,200

    Star Financial Bank's average total fees were $3,448, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 408 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 669 $117,275,000 $175,299
    2.5-3% 551 $117,975,000 $214,111
    <2.5% 107 $20,375,000 $190,421
    4-5% 76 $5,380,000 $70,789
    5-6% 32 $1,630,000 $50,938
    6-7% 4 $190,000 $47,500

    During 2020, Star Financial Bank's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 669 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 588 $31,580,000 $53,707 $2,521 3.54%
    $100k-200k 417 $57,725,000 $138,429 $2,945 3.15%
    $200k-400k 300 $81,570,000 $271,900 $3,700 3.05%
    $400k-600k 65 $31,365,000 $482,538 $4,108 3.07%
    $600k-1MM 50 $36,420,000 $728,400 $3,691 3.05%
    $1MM+ 19 $24,165,000 $1,271,842 $4,774 3.08%

    2020 saw Star Financial Bank place emphasis on $100,000 or less loans with 588 originations, totaling $31,580,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 270 $21,670,000 $80,259 $2,597 3.34%
    $50k-75k 256 $26,470,000 $103,398 $2,945 3.31%
    $100k-150k 249 $38,765,000 $155,683 $3,417 3.31%
    $150k-250k 216 $54,310,000 $251,435 $3,512 3.27%
    $75k-100k 202 $25,280,000 $125,149 $3,367 3.34%
    $250k+ 199 $88,115,000 $442,789 $3,748 3.09%

    Star Financial Bank lent most frequently to those with incomes in the $50k or less range, with 270 originations. The second most popular income band? $50k-75k, with 256 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 445 $80,455,000 $180,798 $3,250 3.33%
    <20% 335 $66,555,000 $198,672 $3,108 3.23%
    30-36% 225 $41,535,000 $184,600 $3,138 3.26%
    38% 47 $10,035,000 $213,511 $3,599 3.21%
    36% 43 $10,685,000 $248,488 $3,618 3.29%
    42% 39 $7,025,000 $180,128 $3,287 3.31%
    41% 39 $6,035,000 $154,744 $2,982 3.20%
    40% 35 $5,295,000 $151,286 $3,546 3.31%
    37% 33 $5,365,000 $162,576 $3,442 3.23%
    39% 30 $3,850,000 $128,333 $3,293 3.54%
    45% 16 $2,310,000 $144,375 $3,142 3.09%
    43% 16 $2,870,000 $179,375 $3,472 3.04%
    46% 12 $1,910,000 $159,167 $2,682 3.21%
    44% 11 $1,765,000 $160,455 $2,958 3.24%
    50-60% 7 $1,745,000 $249,286 $5,237 3.55%
    47% 5 $1,565,000 $313,000 $4,040 3.20%
    >60% 4 $660,000 $165,000 $2,632 3.09%
    49% 3 $305,000 $101,667 $3,719 3.25%
    48% 3 $295,000 $98,333 $2,987 3.04%

    Star Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 445 originations. The next most common DTI ratio? <20%, with 335 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,251 $233,145,000 $186,367 $3,231 3.27%
    Not provided 151 $20,605,000 $136,457 $3,090 3.35%
    Asian 11 $4,635,000 $421,364 $3,272 3.15%
    Black 14 $1,570,000 $112,143 $3,206 3.66%
    Asian Indian 1 $1,005,000 $1,005,000 $3,621 3.00%
    Not applicable 7 $785,000 $112,143 $0 3.57%
    Other Pacific Islander 1 $665,000 $665,000 $2,944 2.88%
    Filipino 1 $205,000 $205,000 $3,632 2.88%
    Native Hawaiian 1 $195,000 $195,000 $0 3.50%
    American Indian 1 $15,000 $15,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    80.88%

    Star Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.33%

    Star Financial Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,439 $262,825,000 $182,644

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 10 $530,000 $53,000
    Single Family (1-4 Units):Site-Built 1,429 $262,295,000 $183,551

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 238 $21,080,000 $88,571 $2,412 3.52%
    40-60% 287 $50,885,000 $177,300 $2,559 3.04%
    60-80% 464 $115,850,000 $249,677 $3,682 3.11%
    80-100% 241 $66,345,000 $275,290 $3,228 3.19%
    Under 20% 201 $8,285,000 $41,219 $2,853 3.82%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Star Financial Bank 2130 East Dupont Road Fort Wayne, IN 46825 Full Service B&M $31,517
    Star Financial Bank 10010 Illinois Road Fort Wayne, IN 46804 Full Service B&M $18,527
    Star Financial Bank 102 West Van Buren Street Columbia City, IN 46725 Full Service B&M $130,485
    Star Financial Bank 105 Frontage Road Columbia City, IN 46725 Full Service B&M $53,223
    Star Financial Bank 1127 North Baldwin Aveue Marion, IN 46952 Full Service B&M $41,826
    Star Financial Bank 114 East Walnut Street Kokomo, IN 46901 Full Service B&M $28,120
    Star Financial Bank 11673 Allisonville Road Fishers, IN 46038 Full Service B&M $11,693
    Star Financial Bank 125 South Anderson Street Elwood, IN 46036 Full Service B&M $67,219
    Star Financial Bank 127 West Berry Street Fort Wayne, IN 46802 Full Service B&M $321,539
    Star Financial Bank 13318 Olio Road Fishers, IN 46037 Full Service B&M $15,535
    Star Financial Bank 140 East Carmel Drive Carmel, IN 46032 Full Service B&M $26,987
    Star Financial Bank 1503 East 53rd Street Anderson, IN 46013 Full Service B&M $82,550
    Star Financial Bank 1523 East Cross Street Anderson, IN 46012 Full Service B&M $47,527
    Star Financial Bank 2004 N. Wayne Street Suite F Angola, IN 46703 Full Service B&M $53,613
    Star Financial Bank 230 East New Road Greenfield, IN 46140 Full Service B&M $59,828
    Star Financial Bank 2900 South Washington Street Kokomo, IN 46902 Full Service B&M $35,873
    Star Financial Bank 2948 South Western Avenue Marion, IN 46953 Full Service B&M $24,836
    Star Financial Bank 315 South Adams Street Marion, IN 46952 Full Service B&M $101,158
    Star Financial Bank 3300 N Everbrook Muncie, IN 47304 Full Service B&M $97,921
    Star Financial Bank 3610 River Crossing Parkway Indianapolis, IN 46240 Full Service B&M $105,137
    Star Financial Bank 3701 N. Broadway Avenue Muncie, IN 47303 Full Service B&M $28,040
    Star Financial Bank 400 North High Street Muncie, IN 47305 Full Service B&M $68,078
    Star Financial Bank 403 Parkview Drive New Castle, IN 47362 Full Service B&M $70,690
    Star Financial Bank 4070 North Us 33 Churubusco, IN 46723 Full Service B&M $32,789
    Star Financial Bank 46 Monument Circle Indianapolis, IN 46204 Full Service B&M $38,569
    Star Financial Bank 5513 Illinois Road Fort Wayne, IN 46804 Full Service B&M $50,921
    Star Financial Bank 5760 Coventry Lane Fort Wayne, IN 46804 Full Service B&M $38,812
    Star Financial Bank 5920 St. Joe Center Road Fort Wayne, IN 46835 Full Service B&M $42,875
    Star Financial Bank 6240 Bluffton Road Fort Wayne, IN 46809 Full Service B&M $35,552
    Star Financial Bank 7110 Lima Road Fort Wayne, IN 46818 Full Service B&M $41,369
    Star Financial Bank 7180 State Road 67 Pendleton, IN 46064 Full Service B&M $41,978
    Star Financial Bank 735 Main Street Anderson, IN 46015 Full Service B&M $98,639
    Star Financial Bank 874 East Jefferson St Tipton, IN 46072 Full Service B&M $31,590
    Star Financial Bank 8762 East 96th Street Fishers, IN 46037 Full Service B&M $21,637
    Star Financial Bank 9102 N Meridian St., Suite 101 Indianapolis, IN 46260 Full Service B&M $38,292
    Star Financial Bank 9165 East 56th Street Indianapolis, IN 46216 Full Service B&M $14,526
    Star Financial Bank 931 East Main Street Gas City, IN 46933 Full Service B&M $64,816
    Star Financial Bank 9480 E. 146th Street Noblesville, IN 46060 Full Service B&M $63,176

    For 2020, Star Financial Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $78,950
    Net interest income $73,780
    Total noninterest income $25,877
    Gross Fiduciary activities income $2,475
    Service charges on deposit accounts $6,981
    Trading account gains and fees $0
    Additional Noninterest Income $16,421
    Pre-tax net operating income $27,344
    Securities gains (or losses, -) $2,915
    Income before extraordinary items $24,508
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $24,508
    Minority interest net income $0
    Net income $24,508
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $22,146

    Star Financial Bank's gross interest income from loans was $78,950,000.
    Star Financial Bank's net interest income from loans was $73,780,000.
    Star Financial Bank's fee based income from loans was $6,981,000.
    Star Financial Bank's net income from loans was $24,508,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,170
    Provision for credit losses $4,250
    Total noninterest expense $68,063
    Salaries and employee benefits $38,063
    Premises and equipment expense $10,833
    Additional noninterest expense $19,167
    Applicable income taxes $5,751
    Net charge-offs $220
    Cash dividends $9,200

    Star Financial Bank's interest expense for loans was $5,170,000.
    Star Financial Bank's payroll and benefits expense were $38,063,000.
    Star Financial Bank's property, plant and equipment expenses $10,833,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,300,881
    Deposits held in domestic offices $2,300,881
    Deposits by Individuals, partnerships, and corporations $2,016,885
    Deposits by U.S. Government $102
    Deposits by States and political subdivisions in the U.S. $283,149
    Deposits by Commercial banks and other depository institutions in U.S. $745
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $288,037
    Demand deposits $231,542
    Nontransaction accounts $2,012,844
    Money market deposit accounts (MMDAs) $478,039
    Other savings deposits (excluding MMDAs) $1,403,464
    Total time deposits $131,341
    Total time and savings deposits $2,069,339
    Noninterest-bearing deposits $971,064
    Interest-bearing deposits $1,329,817
    Retail deposits $2,278,679
    IRAs and Keogh plan accounts $27,231
    Brokered deposits $4,999
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,595,550
    Cash & Balances due from depository institutions $241,629
    Interest-bearing balances $187,237
    Total securities $539,268
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,692,943
    Loan and leases loss allowance $23,111
    Trading account assets $0
    Bank premises and fixed assets $43,791
    Other real estate owned $2,050
    Goodwill and other intangibles $4,038
    All other assets $71,831

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,595,550
    Total Liabilities $2,342,942
    Total deposits $2,300,881
    Interest-bearing deposits $1,329,817
    Deposits held in domestic offices $2,300,881
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $30,423
    Subordinated debt $0
    All other liabilities $11,638

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,692,943
    Loan and leases loss allowance $23,111
    Total loans and leases (domestic) $1,716,054
    All real estate loans $924,983
    Real estate loans in domestic offices $924,983
    Construction and development loans $151,298
    Residential 1-4 family construction $28,307
    Other construction, all land development and other land $122,991
    Loans secured by nonfarm nonresidential properties $368,404
    Nonfarm nonresidential secured by owner-occupied properties $205,979
    Commercial real estate & other non-farm, non-residential $162,425
    Multifamily residential real estate $48,156
    1-4 family residential loans $325,619
    Farmland loans $31,506
    Loans held in foreign offices $0
    Farm loans $29,881
    Commercial and industrial loans $618,545
    To non-U.S. addressees $0
    Loans to individuals $28,044
    Credit card loans $0
    Related Plans $1,815
    Consumer Auto Loans $16,195
    Other loans to individuals $10,034
    All other loans & leases $114,601
    Loans to foreign governments and official institutions $0
    Other loans $419
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $23,833
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $10,421
    Non 1-4 family restructured loans & leases $9,465
    Total loans and leases (foreign) $0

    STAR Financial Bank had $1,692,943,000 of loans outstanding in 2020. $924,983,000 of loans were in real estate loans. $151,298,000 of loans were in development loans. $48,156,000 of loans were in multifamily mortgage loans. $325,619,000 of loans were in 1-4 family mortgage loans. $29,881,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,195,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 285 $67,017 $235,147
    Nonfarm, nonresidential loans - <$100k 45 $1,647 $36,600
    Nonfarm, nonresidential loans - $100-250k 91 $10,038 $110,308
    Nonfarm, nonresidential loans - $250k-1MM 149 $55,332 $371,356
    Commercial & Industrial, US addressed loans - <$1MM 2,070 $185,099 $89,420
    Commercial & Industrial, US addressed loans - <$100k 1,413 $35,797 $25,334
    Commercial & Industrial, US addressed loans - $100-250k 328 $40,194 $122,543
    Commercial & Industrial, US addressed loans - $250k-1MM 329 $109,108 $331,635
    Farmland loans - <$1MM 86 $12,569 $146,151
    Farmland loans - <$100k 13 $542 $41,692
    Farmland loans - $100-250k 46 $5,312 $115,478
    Farmland loans - $250k-1MM 27 $6,715 $248,704
    Agriculture operations loans - <$1MM 82 $5,649 $68,890
    Agriculture operations loans - <$100k 51 $961 $18,843
    Agriculture operations loans - $100-250k 21 $2,464 $117,333
    Agriculture operations loans - $250k-1MM 10 $2,224 $222,400