Call reports 2025
STAR FINANCIAL BANK — 2025
What STAR FINANCIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,964,716,000 | 3,019,389,000 | 3,120,379,000 | 3,233,515,000 |
| Total loans | 1,781,649,000 | 1,788,966,000 | 1,830,290,000 | 1,886,070,000 |
| Allowance for loan losses | 18,991,000 | 19,635,000 | 19,261,000 | 20,597,000 |
| Securities available for sale | 955,011,000 | 942,750,000 | 935,407,000 | 927,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,595,775,000 | 2,643,111,000 | 2,732,742,000 | 2,845,304,000 |
| Interest-bearing deposits | 1,761,026,000 | 1,865,016,000 | 1,927,649,000 | 2,034,860,000 |
| Noninterest-bearing deposits | 834,749,000 | 778,095,000 | 805,093,000 | 810,444,000 |
| Equity capital | 255,899,000 | 264,154,000 | 275,656,000 | 290,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 34,563,000 | 71,311,000 | 107,429,000 | 145,609,000 |
| Interest expense | 12,641,000 | 26,975,000 | 40,594,000 | 54,610,000 |
| Net interest income | 21,922,000 | 44,336,000 | 66,835,000 | 90,999,000 |
| Noninterest income | 5,853,000 | 12,316,000 | 18,532,000 | 24,733,000 |
| Noninterest expense | 19,979,000 | 40,213,000 | 60,982,000 | 83,100,000 |
| Provision for loan losses | 700,000 | 1,420,000 | 1,420,000 | -5,841,000 |
| Pretax income | 7,441,000 | 15,814,000 | 22,935,000 | 38,093,000 |
| Income tax | 1,327,000 | 2,913,000 | 4,124,000 | 7,258,000 |
| Net income | 6,114,000 | 12,901,000 | 18,811,000 | 30,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 323,190,000 | 325,977,000 | 327,886,000 | 335,910,000 |
| Total capital | 344,613,000 | 347,594,000 | 349,130,000 | 358,840,000 |
| Risk-weighted assets | 2,399,314,000 | 2,378,783,000 | 2,405,530,000 | 2,462,608,000 |