Starion Bank
Bismarck, North Dakota, Burleigh County
$2.1B in total assets, the 597th largest of 4,309 US banks and 9th of 60 headquartered in North Dakota.
- FDIC certificate
- 33758
- Established
- 1993
- Owned by
- Starion Bcorp
- Primary regulator
- FDIC
- Website
- WWW.STARIONBANK.COM
At a glance
Compared with 11 banks headquartered in North Dakota with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.1B | 36% | $2.5B | |
| Loans | $1.3B | 27% | $2.3B | |
| Deposits | $1.8B | 36% | $2.1B | |
| Return on assets | 0.94% | 18% | 1.30% | |
| Net interest margin | 2.95% | 2% | 3.89% | |
| Efficiency ratio | 65.4% | 73% | 61.4% | |
| Equity to assets | 8.39% | 18% | 10.45% | |
| Loans to deposits | 70% | 18% | 91% |
Growth
Total assets grew 5.6% a year over the last 5 years and 5.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2015 | WPS Community Bank, FSB Madison, WI | $94M |
| Oct 2011 | Security State Bank Dunseith, ND | $62M |
| Oct 1995 | The First National Bank and Trust Company of Ellendale Ellendale, ND, an affiliate under the same holding company | $34M |
| Oct 1995 | The First National Bank of Oakes Oakes, ND, an affiliate under the same holding company | $35M |
| Oct 1995 | First Southwest Bank - Mandan Mandan, ND, an affiliate under the same holding company | $67M |
Where they operate
16 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Burleigh County, ND | $789M | 14.2% | 1 of 16 |
| Morton County, ND | $498M | 38.1% | 1 of 10 |
| Cass County, ND | $177M | 1.6% | 14 of 28 |
| Dickey County, ND | $156M | 67.0% | 1 of 3 |
| Dane County, WI | $116M | 0.4% | 21 of 33 |
| Rolette County, ND | $66M | 16.8% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (15 to 16, +6.7%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2019 | Opened Fargo | 1 | 0 | +1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 28% | 25% | |
| 1-4 family residential | 14% | 18% | |
| Business (C&I) | 14% | 17% | |
| Multifamily | 11% | 7% | |
| Agricultural | 10% | 11% | |
| Construction and land | 9% | 6% | |
| Farmland | 8% | 9% | |
| Consumer | 2% | 5% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 57% | |
| Time deposits | 21% | 25% | |
| Noninterest-bearing | 15% | 17% |
Brokered deposits are 0.4% of deposits (peers 4.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.45% | 0.79% |
| Net charge-offs, annualized | -0.00% | 0.16% |
| Reserves to loans | 1.51% | 1.17% |
| Leverage ratio | 9.45% | 9.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in North Dakota
Largest competitors in Burleigh County, ND
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/starion