Case Study: STAR Financial Bank achieves comprehensive loan‑loss risk insight and CECL‑ready compliance with Baker Hill

STAR Financial Bank - Customer Case Study

STAR Financial Bank, a $1.7 billion community bank with 51 locations in Indiana, faced an incomplete and error-prone approach to measuring loan portfolio risk and calculating its quarterly Allowance for Loan and Lease Losses (ALLL), relying on home‑grown Excel models. The bank had long used Baker Hill software for tickler files and statement spreading but needed a more comprehensive, forward‑looking solution to understand loss migration and meet growing regulatory demands.

STAR Financial Bank implemented a combined solution using Baker Hill’s commercial CRM, pricing and financial analysis together with MainStreet Technologies’ Loan Loss Analyzer to link borrower‑level credit views with historical migration data (PD/LGD). Baker Hill’s integration delivered faster, more accurate ALLL calculations, stronger stress‑testing capabilities, implementation efficiencies and improved CECL preparedness — giving STAR Financial Bank greater flexibility, fewer spreadsheet errors and a more proactive, compliant approach to loan and portfolio risk management.

STAR Financial Bank

Bill Wingrove

Chief Credit Officer