Bank · FDIC insured
North Star Bank
A $378.7M bank headquartered in Roseville, MN, with 2 branches in Minnesota. Best rates: CDs 2.37% and savings 1.31% APY.
North Star Bank Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#66 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About North Star Bank
Established in 1947, North Star Bank is an independent, locally owned bank.
Originally opened as Falcon Heights State Bank, the institution later relocated to Roseville and changed its name to North Star State Bank of Roseville.
The bank opened its first branch office in White Bear Lake in 1989, later adding loan and deposit production offices in Monticello in 2023 and Maple Grove in 2024.
- Headquarters
- 1820 Lexington Ave N, Roseville, MN 55113
- FDIC certificate
- 16733 ↗
Branches
2 branches in Minnesota
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Minnesota
2 branches
- North Star BankMain office1820 Lexington Ave N, Roseville, MN 55113Directions
- White Bear Lake Branch4661 Highway 61 N, White Bear Lake, MN 55110Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.94% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio11.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.94%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of North Star Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.