# EDGAR Filing Document

**Accession Number:** 0001965329
**File Stem:** 0001965329-23-000001
**Filing Date:** 2023-2
**Character Count:** 13682
**Document Hash:** f082ab2f9f1e693c13b47d97f08abe9f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001965329-23-000001.hdr.sgml**: 20230209

**ACCESSION NUMBER**: 0001965329-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230209

**DATE AS OF CHANGE**: 20230209

**EFFECTIVENESS DATE**: 20230209

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** STAR Financial Bank
- **CENTRAL INDEX KEY:** 0001965329
- **IRS NUMBER:** 351719464
- **STATE OF INCORPORATION:** IN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22866
- **FILM NUMBER:** 23602588

**BUSINESS ADDRESS:**
- **STREET 1:** 127 W BERRY STREET, FL 2
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46802
- **BUSINESS PHONE:** 2604287036

**MAIL ADDRESS:**
- **STREET 1:** 127 W BERRY STREET, FL 2
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46802

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** STAR Financial Bank<br>**Address:** 127 W BERRY STREET FL 2<br>FORT WAYNE, IN 46802

**Form 13F File Number:** 028-22866

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Kate L Miller<br>**Title:** President Private Advisory<br>**Phone:** 2604287036

**Signature, Place, and Date of Signing:**

Kate L Miller  Fort Wayne, IN  02-09-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 91

**Form 13F Information Table Value Total:** $100817328

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | Common Stock | 88579Y101 |  | 277015 | 2310 | SH |  | SOLE |  | 2170 | 140 | 0 |
| ABBVIE INC | Common Stock | 00287Y109 |  | 1696097 | 10495 | SH |  | SOLE |  | 9285 | 1210 | 0 |
| ACCENTURE PLC ADR | Int'l Common Stock | G1151C101 |  | 368506 | 1381 | SH |  | SOLE |  | 1381 | 0 | 0 |
| ADOBE SYSTEMS INCORPORATED  DELAWARE | Common Stock | 00724F101 |  | 618206 | 1837 | SH |  | SOLE |  | 1564 | 273 | 0 |
| ALPHABET INC | Common Stock | 02079K107 |  | 412506 | 4649 | SH |  | SOLE |  | 4549 | 100 | 0 |
| ALPHABET INC | Common Stock | 02079K305 |  | 1064054 | 12060 | SH |  | SOLE |  | 9714 | 2346 | 0 |
| ALTRIA GROUP INC | Common Stock | 02209S103 |  | 259450 | 5676 | SH |  | SOLE |  | 5676 | 0 | 0 |
| AMAZON COM INC | Common Stock | 023135106 |  | 949956 | 11309 | SH |  | SOLE |  | 9727 | 1582 | 0 |
| APPLE INC | Common Stock | 037833100 |  | 3349985 | 25783 | SH |  | SOLE |  | 23349 | 2434 | 0 |
| APPLIED MATERIALS INC | Common Stock | 038222105 |  | 203719 | 2092 | SH |  | SOLE |  | 2092 | 0 | 0 |
| BANK OF AMERICA CORP | Common Stock | 060505104 |  | 376574 | 11370 | SH |  | SOLE |  | 10860 | 510 | 0 |
| BLACKROCK INC | Common Stock | 09247X101 |  | 1502296 | 2120 | SH |  | SOLE |  | 1825 | 295 | 0 |
| CADENCE DESIGN SYSTEMS      INCORPORATED | Common Stock | 127387108 |  | 361279 | 2249 | SH |  | SOLE |  | 2127 | 122 | 0 |
| CHEVRONTEXACO CORP | Common Stock | 166764100 |  | 1250327 | 6966 | SH |  | SOLE |  | 6881 | 85 | 0 |
| CISCO SYSTEMS INC | Common Stock | 17275R102 |  | 488167 | 10247 | SH |  | SOLE |  | 9857 | 390 | 0 |
| CITIGROUP INC | Common Stock | 172967424 |  | 256047 | 5661 | SH |  | SOLE |  | 5511 | 150 | 0 |
| CROWN CASTLE INTERNATIONAL CORP | Common Stock | 22822V101 |  | 209157 | 1542 | SH |  | SOLE |  | 1417 | 125 | 0 |
| CUMMINS INC | Common Stock | 231021106 |  | 545153 | 2250 | SH |  | SOLE |  | 2200 | 50 | 0 |
| CVS HEALTH CORPORATION | Common Stock | 126650100 |  | 764810 | 8207 | SH |  | SOLE |  | 7977 | 230 | 0 |
| DOMINION RESOURCES INC | Common Stock | 25746U109 |  | 227252 | 3706 | SH |  | SOLE |  | 3514 | 192 | 0 |
| DOW HLDGS INC | Common Stock | 260557103 |  | 469988 | 9327 | SH |  | SOLE |  | 8972 | 355 | 0 |
| EMERSON ELECTRIC CO | Common Stock | 291011104 |  | 675686 | 7034 | SH |  | SOLE |  | 6784 | 250 | 0 |
| ENBRIDGE INC | Int'l Common Stock | 29250N105 |  | 270846 | 6927 | SH |  | SOLE |  | 5451 | 1476 | 0 |
| EOG RESOURCES INC | Common Stock | 26875P101 |  | 344912 | 2663 | SH |  | SOLE |  | 2663 | 0 | 0 |
| FIRST TRUST LARGE CAP VALUE ALPHADEX FUND | Exchange Traded Fund | 33735J101 |  | 533390 | 8105 | SH |  | SOLE |  | 8105 | 0 | 0 |
| FT CBOE VEST US EQUITY BUFFER ETF-NOVEMBER | Exchange Traded Fund | 33740F847 |  | 218448 | 6150 | SH |  | SOLE |  | 6150 | 0 | 0 |
| GENERAL DYNAMICS CORP | Common Stock | 369550108 |  | 619283 | 2496 | SH |  | SOLE |  | 2146 | 350 | 0 |
| GENUINE PARTS COMPANY | Common Stock | 372460105 |  | 780274 | 4497 | SH |  | SOLE |  | 4309 | 188 | 0 |
| HASBRO INC | Common Stock | 418056107 |  | 269603 | 4419 | SH |  | SOLE |  | 4092 | 327 | 0 |
| HOME DEPOT INC | Common Stock | 437076102 |  | 1373675 | 4349 | SH |  | SOLE |  | 3811 | 538 | 0 |
| HONEYWELL INTERNATIONAL INC | Common Stock | 438516106 |  | 1516601 | 7077 | SH |  | SOLE |  | 6558 | 519 | 0 |
| Horizon Kinetics | Exchange Traded Fund | 53656F623 |  | 1111150 | 35297 | SH |  | SOLE |  | 35297 | 0 | 0 |
| INGREDION INC USD 0.01 | Common Stock | 457187102 |  | 372232 | 3801 | SH |  | SOLE |  | 3616 | 185 | 0 |
| INTERCONTINENTAL EXCHANGE GROUP | Common Stock | 45866F104 |  | 268786 | 2620 | SH |  | SOLE |  | 2620 | 0 | 0 |
| ISHARES CORE S 500 ETF | Exchange Traded Fund | 464287200 |  | 505620 | 1316 | SH |  | SOLE |  | 1316 | 0 | 0 |
| ISHARES CORE S MIDCAP ETF | Exchange Traded Fund | 464287507 |  | 8396486 | 34712 | SH |  | SOLE |  | 31302 | 3410 | 0 |
| ISHARES CORE S SMALL CAP ETF | Exchange Traded Fund | 464287804 |  | 1348525 | 14249 | SH |  | SOLE |  | 13424 | 825 | 0 |
| ISHARES MSCI EAFE ETF | International Equity ETF | 464287465 |  | 451866 | 6884 | SH |  | SOLE |  | 6769 | 0 | 115 |
| ISHARES RUSSELL 1000 GROWTH ETF | Exchange Traded Fund | 464287614 |  | 12016722 | 56090 | SH |  | SOLE |  | 53739 | 1836 | 515 |
| ISHARES RUSSELL 1000 VALUE ETF | Exchange Traded Fund | 464287598 |  | 4798964 | 31645 | SH |  | SOLE |  | 29970 | 1402 | 273 |
| ISHARES RUSSELL 2000 ETF | Exchange Traded Fund | 464287655 |  | 2299460 | 13188 | SH |  | SOLE |  | 11165 | 2023 | 0 |
| ISHARES RUSSELL MID CAP VALUE ETF | Exchange Traded Fund | 464287473 |  | 1904758 | 18082 | SH |  | SOLE |  | 17804 | 60 | 218 |
| ISHARES S MIDCAP 400 GROWTH INDEX FUND | Exchange Traded Fund | 464287606 |  | 1579369 | 23124 | SH |  | SOLE |  | 23124 | 0 | 0 |
| JACOBS SOLUTIONS INC | Common Stock | 46982L108 |  | 295973 | 2465 | SH |  | SOLE |  | 2465 | 0 | 0 |
| JOHNSON  JOHNSON | Common Stock | 478160104 |  | 1830447 | 10362 | SH |  | SOLE |  | 9117 | 1245 | 0 |
| JP MORGAN CHASE  CO | Common Stock | 46625H100 |  | 1323701 | 9871 | SH |  | SOLE |  | 9616 | 255 | 0 |
| JPM ULTRA -SHORT MUNI INCOME ETF | Fixed Income ETF | 46641Q654 |  | 799716 | 15825 | SH |  | SOLE |  | 15336 | 489 | 0 |
| JPMORGAN EQUITY PREMIUM INCOME ETF | Exchange Traded Fund | 46641Q332 |  | 952812 | 17486 | SH |  | SOLE |  | 17486 | 0 | 0 |
| JPMORGAN ULTRA SHORT INCOME ETF | Fixed Income ETF | 46641Q837 |  | 1331453 | 26560 | SH |  | SOLE |  | 26178 | 32 | 350 |
| LOCKHEED MARTIN CORP | Common Stock | 539830109 |  | 1007521 | 2071 | SH |  | SOLE |  | 1996 | 75 | 0 |
| MASCO CORPORATION | Common Stock | 574599106 |  | 300321 | 6435 | SH |  | SOLE |  | 5505 | 930 | 0 |
| MCDONALD'S CORP | Common Stock | 580135101 |  | 1003522 | 3808 | SH |  | SOLE |  | 3583 | 225 | 0 |
| MEDTRONIC PLC ADR | Int'l Common Stock | G5960L103 |  | 300155 | 3862 | SH |  | SOLE |  | 3302 | 560 | 0 |
| MERCK  CO INC NEW | Common Stock | 58933Y105 |  | 561296 | 5059 | SH |  | SOLE |  | 4889 | 170 | 0 |
| MICROCHIP TECHNOLOGY INC | Common Stock | 595017104 |  | 703624 | 10016 | SH |  | SOLE |  | 7871 | 2145 | 0 |
| MICROSOFT CORP | Common Stock | 594918104 |  | 3217185 | 13415 | SH |  | SOLE |  | 12451 | 964 | 0 |
| MORGAN STANLEY | Common Stock | 617446448 |  | 388031 | 4564 | SH |  | SOLE |  | 3584 | 980 | 0 |
| NORTHROP GRUMMAN CORP | Common Stock | 666807102 |  | 736574 | 1350 | SH |  | SOLE |  | 1213 | 137 | 0 |
| NORTHWEST BANCSHARES INC | Common Stock | 667340103 |  | 158841 | 11362 | SH |  | SOLE |  | 11362 | 0 | 0 |
| PAYCHEX INC | Common Stock | 704326107 |  | 746749 | 6462 | SH |  | SOLE |  | 5382 | 1080 | 0 |
| PEPSICO INC | Common Stock | 713448108 |  | 1779140 | 9848 | SH |  | SOLE |  | 8938 | 910 | 0 |
| PFIZER INC | Common Stock | 717081103 |  | 1010811 | 19727 | SH |  | SOLE |  | 18827 | 900 | 0 |
| PROCTER  GAMBLE CO | Common Stock | 742718109 |  | 1626087 | 10729 | SH |  | SOLE |  | 9430 | 1299 | 0 |
| PRUDENTIAL FINANCIAL INC | Common Stock | 744320102 |  | 357061 | 3590 | SH |  | SOLE |  | 3405 | 185 | 0 |
| S  P MATERIALS SELECT SPDR | Exchange Traded Fund | 81369Y100 |  | 515562 | 6637 | SH |  | SOLE |  | 6022 | 615 | 0 |
| S  P SELECT CONSUMER DISCRETIONARY SPDR FUND | Exchange Traded Fund | 81369Y407 |  | 297843 | 2306 | SH |  | SOLE |  | 2206 | 100 | 0 |
| S  P SELECT ENERGY SPDR FUND | Exchange Traded Fund | 81369Y506 |  | 399738 | 4570 | SH |  | SOLE |  | 4175 | 395 | 0 |
| S  P SELECT FINANCIAL SPDR FUND | Exchange Traded Fund | 81369Y605 |  | 323361 | 9455 | SH |  | SOLE |  | 9455 | 0 | 0 |
| S  P SELECT HEALTHCARE SPDR FUND | Exchange Traded Fund | 81369Y209 |  | 279851 | 2060 | SH |  | SOLE |  | 2060 | 0 | 0 |
| S  P SELECT TECHNOLOGY SPDR FUND | Exchange Traded Fund | 81369Y803 |  | 426331 | 3426 | SH |  | SOLE |  | 3426 | 0 | 0 |
| SOUTHERN CO | Common Stock | 842587107 |  | 438600 | 6142 | SH |  | SOLE |  | 5762 | 380 | 0 |
| SPDR S DIVIDEND ETF | Exchange Traded Fund | 78464A763 |  | 1918437 | 15334 | SH |  | SOLE |  | 15024 | 310 | 0 |
| SPDR S MIDCAP 400 ETF TRUST | Exchange Traded Fund | 78467Y107 |  | 1087049 | 2455 | SH |  | SOLE |  | 2455 | 0 | 0 |
| STARBUCKS CORPORATION | Common Stock | 855244109 |  | 969184 | 9770 | SH |  | SOLE |  | 8913 | 857 | 0 |
| STEEL DYNAMICS INC | Common Stock | 858119100 |  | 1748635 | 17898 | SH |  | SOLE |  | 17898 | 0 | 0 |
| TEXAS INSTRUMENTS INC | Common Stock | 882508104 |  | 435520 | 2636 | SH |  | SOLE |  | 2636 | 0 | 0 |
| UNITED PARCEL SERVICE INC | Common Stock | 911312106 |  | 540642 | 3110 | SH |  | SOLE |  | 2634 | 476 | 0 |
| UNITEDHEALTH GROUP INC | Common Stock | 91324P102 |  | 1059300 | 1998 | SH |  | SOLE |  | 1998 | 0 | 0 |
| US BANCORP | Common Stock | 902973304 |  | 425154 | 9749 | SH |  | SOLE |  | 8069 | 1680 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | Exchange Traded Fund | 921908844 |  | 481668 | 3172 | SH |  | SOLE |  | 2984 | 0 | 188 |
| VANGUARD REAL ESTATE ETF | Exchange Traded Fund | 922908553 |  | 313589 | 3802 | SH |  | SOLE |  | 3771 | 31 | 0 |
| VANGUARD SMALL CAP VIPER ETF | Exchange Traded Fund | 922908751 |  | 2882312 | 15704 | SH |  | SOLE |  | 15377 | 208 | 119 |
| VANGUARD TOTAL STOCK MARKET ETF | Exchange Traded Fund | 922908769 |  | 217001 | 1135 | SH |  | SOLE |  | 1135 | 0 | 0 |
| VANGUARD VALUE ETF | Exchange Traded Fund | 922908744 |  | 4504894 | 32093 | SH |  | SOLE |  | 31431 | 192 | 470 |
| VERIZON COMMUNICATIONS INC | Common Stock | 92343V104 |  | 699626 | 17757 | SH |  | SOLE |  | 16492 | 1265 | 0 |
| VISA INC | Common Stock | 92826C839 |  | 1076197 | 5180 | SH |  | SOLE |  | 4330 | 850 | 0 |
| W.W. GRAINGER INC. | Common Stock | 384802104 |  | 438881 | 789 | SH |  | SOLE |  | 789 | 0 | 0 |
| WALT DISNEY COMPANY | Common Stock | 254687106 |  | 266374 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| WASTE MANAGEMENT INC. | Common Stock | 94106L109 |  | 730747 | 4658 | SH |  | SOLE |  | 4138 | 520 | 0 |
| WELLS FARGO  CO NEW | Common Stock | 949746101 |  | 307900 | 7457 | SH |  | SOLE |  | 7457 | 0 | 0 |
| ZOETIS INC CLASS A | Common Stock | 98978V103 |  | 294712 | 2011 | SH |  | SOLE |  | 1436 | 575 | 0 |

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