| Metric | Sterling Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.5% | +2.9 pts |
| Deposit growth (YoY) | +9.3% | +5.1% | +4.3 pts |
| Loan growth (YoY) | +1.4% | +5.9% | -4.5 pts |
| ROA | 1.63% | 1.26% | +0.4 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.38B | $1.06B | $175.1M | $12.6M | 1.63% | 4.31% | 0.24% |
| Q1 2026 | $1.57B | $1.39B | $1.03B | $173.4M | $6.5M | 1.68% | 4.31% | 0.24% |
| Q4 2025 | $1.52B | $1.34B | $1.02B | $171.4M | $23.0M | 1.57% | 4.58% | 0.24% |
| Q3 2025 | $1.51B | $1.33B | $1.01B | $170.0M | $17.5M | 1.61% | 4.53% | 0.24% |
| Q2 2025 | $1.44B | $1.26B | $1.05B | $173.0M | $10.8M | 1.51% | 4.36% | 0.58% |
| Q1 2025 | $1.42B | $1.24B | $970.1M | $171.1M | $4.7M | 1.33% | 4.06% | 0.59% |
| Q4 2024 | $1.42B | $1.23B | $950.3M | $169.2M | $21.0M | 1.50% | 4.22% | 0.59% |
| Q3 2024 | $1.42B | $1.23B | $940.5M | $168.9M | $15.8M | 1.51% | 4.14% | 0.52% |
Loan mix (Q2 2026): real estate $510.6M · commercial $372.0M · consumer $10.5M · securities $60.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sterling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 59.0% | 29th |
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.
16 branches in 11 counties across 3 states (+2 vs 2024) · $1.26B branch deposits. Biggest market: St. Louis, MO, ranked 25th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 2 | $445.5M | 0.88% | 25th |
| Butler, MO | 3 | $222.7M | 14.96% | 3rd |
| Kane, IL | 1 | $133.2M | 0.80% | 19th |
| 8 more counties with Pro → | ||||
Missouri: 41st with 0.37% · Illinois: 311th with 0.02% · Arkansas: 103rd with 0.07% · St. Louis metro: 51st, 0.30% · Chicago-Naperville-Elgin metro: 141st, 0.02% ·
Branch count: 2022 13 · 2023 14 · 2024 14 · 2025 16