| Metric | Sterling Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +0.1% | +4.0% | -3.9 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +0.9 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352.4M | $314.5M | $255.5M | $32.5M | $2.9M | 1.64% | 3.54% | 0.02% |
| Q1 2026 | $355.8M | $318.9M | $253.7M | $32.2M | $1.4M | 1.58% | 3.50% | 0.03% |
| Q4 2025 | $353.5M | $318.0M | $251.8M | $30.8M | $5.0M | 1.44% | 3.27% | 0.03% |
| Q3 2025 | $348.7M | $313.5M | $242.1M | $31.6M | $3.5M | 1.35% | 3.18% | 0.03% |
| Q2 2025 | $348.9M | $314.3M | $239.9M | $30.9M | $2.2M | 1.27% | 3.11% | 0.00% |
| Q1 2025 | $354.8M | $313.6M | $237.3M | $30.4M | $1.0M | 1.16% | 3.01% | 0.00% |
| Q4 2024 | $344.5M | $304.4M | $231.3M | $29.2M | $3.7M | 1.08% | 2.87% | 0.00% |
| Q3 2024 | $345.2M | $297.5M | $228.7M | $29.8M | $2.7M | 1.02% | 2.80% | 0.00% |
Loan mix (Q2 2026): real estate $222.0M · commercial $15.6M · consumer $2.0M · securities $85.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2025) · $314.5M branch deposits. Biggest market: Barron, WI, ranked 3rd with 12.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Barron, WI | 3 | $275.6M | 12.71% | 3rd |
| Polk, WI | 1 | $38.9M | 2.32% | 11th |
Wisconsin: 119th with 0.12% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (19 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).