Sterling State Bank
Austin, MN · Cert 17863 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Sterling Financial Group Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$461.9MAssets
$308.5MLoans
$359.5MDeposits
$31.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 703 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.78%
Rank 530 of 746
Net Interest Margin
3.35%
Rank 506 of 746
Efficiency Ratio
74.23%
Rank 543 of 746
Equity / Assets
6.88%
Rank 703 of 746
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.72% | 1.06% | 1.45% | Beats 29% | 530 / 746 | | |
| Return on Equity | 11.33% | 6.74% | 10.51% | 13.63% | Beats 58% | 314 / 746 | | |
| Net Interest Margin | 3.35% | 3.17% | 3.68% | 4.16% | Beats 32% | 506 / 746 | | |
| Efficiency Ratio | 74.23% | 55.74% | 64.58% | 75.47% | Beats 27% | 543 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.42% | 1.07% | Beats 48% | 389 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 11.55% | 13.75% | 17.60% | Beats 39% | 454 / 746 | | |
| Total Risk-Based Capital Ratio | 13.98% | 11.71% | 14.33% | 18.43% | Beats 46% | 401 / 746 | | |
| Equity / Assets | 6.88% | 8.90% | 10.51% | 13.06% | Beats 6% | 703 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.81% | 61.31% | 78.27% | 90.78% | 66th pctl | 255 / 746 | | |
| Loans / Assets | 66.80% | 53.60% | 66.97% | 76.08% | 49th pctl | 379 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |