| Metric | Sterling State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +4.4% | -14.9 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 14.5% | 11.9% | +2.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $461.9M | $359.5M | $304.9M | $31.8M | $2.3M | 0.98% | 3.54% | 0.31% |
| Q1 2026 | $462.3M | $363.6M | $310.4M | $31.4M | $1.1M | 0.92% | 3.44% | 0.32% |
| Q4 2025 | $481.9M | $360.9M | $309.2M | $31.5M | $3.2M | 0.64% | 2.94% | 0.30% |
| Q3 2025 | $478.2M | $350.5M | $296.0M | $30.0M | $2.4M | 0.65% | 2.85% | 0.25% |
| Q2 2025 | $516.4M | $341.2M | $295.2M | $27.3M | $1.5M | 0.58% | 2.78% | 0.23% |
| Q1 2025 | $512.8M | $361.3M | $295.9M | $24.9M | $770K | 0.61% | 2.79% | 0.24% |
| Q4 2024 | $491.0M | $358.9M | $293.2M | $21.8M | $1.5M | 0.29% | 2.32% | 0.25% |
| Q3 2024 | $534.8M | $353.7M | $285.9M | $25.7M | $1.1M | 0.27% | 2.22% | 0.23% |
Loan mix (Q2 2026): real estate $275.8M · commercial $29.3M · consumer $3.9M · securities $125.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sterling State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 66th | |
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 | 74.2% | 62.9% | 77th |
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 State 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 State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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