STAR Financial Bank

127 West Berry Street
Fort Wayne, IN 46802
(260) 467-5507
www.starfinancial.com

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STAR Financial Bank is headquartered in Fort Wayne and is the 9^th largest bank in the state of Indiana. It is also the 416^st largest bank in the nation. It was established in 1988 and as of September of 2011, it had grown to 611 employees at 48 locations. STAR Financial Bank's savings rates are 54% higher than the national average, and it has a 4-star health rating.

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See Rates for: Savings | Money Market | CD

STAR Financial Bank Savings Account Rates

Apy	Min	Max	Product
0.80%	$10k	-	HSA
0.39%	$2,500k	-	Preferred Liquidity Fund
0.05%	-	-	Regular Savings

STAR Financial Bank Money Market Rates

	Apy	Min	Max	Product
	0.15%	$10k	-	Money Market Savings

STAR Financial Bank CD Rates

Apy	Min	Max	Product
1.20%	$1k	-	60 Month CD
1.20%	$1k	-	60 Month HSA CD
0.90%	$1k	-	48 Month CD
0.90%	$1k	-	48 Month HSA CD
0.75%	$1k	-	36 Month CD
0.75%	$1k	-	36 Month HSA CD
0.75%	$1k	-	36 Month Shooting STAR CD
0.55%	$1k	-	30 Month CD
0.55%	$1k	-	30 Month HSA CD
0.45%	$1k	-	24 Month CD
0.45%	$1k	-	24 Month HSA CD
0.40%	$1k	-	18 Month HSA CD
0.35%	$1k	-	15 Month CD
0.35%	$1k	-	15 Month HSA CD
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	12 Month HSA CD
0.25%	$1k	-	9 Month CD
0.25%	$1k	-	9 Month HSA CD
0.15%	$1k	-	6 Month CD
0.15%	$1k	-	6 Month HSA CD

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

STAR Financial Bank
FDIC Certificate #	27235
BankRate Report	View
Year Established	1988
Employees	611
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.59 billion
Loans	$1.10 billion
Deposits	$1.28 billion
Equity Capital	$152.88 million
Loan Loss Allowance	$21.42 million
Unbacked Noncurrent Loans	$21.43 million
Real Estate Owned	$6.59 million
Historic Data - September 2010
Assets	$1.61 billion
Equity Capital	$144.90 million
Loan Loss Allowance	$22.12 million
Unbacked Noncurrent Loans	$36.96 million
Real Estate Owned	$10.86 million
Profit Margin - Quarterly
Net Interest Margin	3.99%
Return on Assets	0.97%
Return on Equity	10.41%
Interest Income	$50.50 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 STAR Financial Bank had $28.01 million in non-current loans and owned real-estate with $174.29 million in equity and loan loss allowances on hand to cover it. This gives STAR Financial Bank a Texas Ratio of 16.07% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for STAR Financial Bank decreased significantly from 28.59% as of September 30, 2010 to 16.07% as of September 30, 2011, resulting in a positive change of 43.78%.This indicates that the balance sheet and financial strength for STAR Financial Bank has improved significantly in recent periods.
Deposit Growth
In the past year, STAR Financial Bank has decreased its total deposits by -$9.28 million, resulting in -0.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth STAR Financial Bank has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. STAR Financial Bank has $1.59 billion in assets with $174.29 million in equity, resulting in a capitalization level of 10.97%, which is above average.

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