Austin, MN · Cert 17863 · Sterling Financial Group Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 2.9% share · #11 of 34 inst. · $0.2B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.51% | 0.50% | 0.72% | 0.77% | +32 bps | |
| Return on Equity | 9.29% | 9.78% | 9.21% | 10.82% | 11.41% | +212 bps | |
| Net Interest Margin | 2.53% | 2.60% | 2.86% | 3.30% | 3.35% | +82 bps | |
| Efficiency Ratio | 84.33% | 84.22% | 82.67% | 75.43% | 74.23% | -1,010 bps | |
| Non-Interest Burden | 2.07% | 2.13% | 2.26% | 2.37% | 2.38% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.28% | -10.58% | -1.85% | -9.86% | -10.56% | -1,184 bps | |
| Loan Growth (YoY) | 6.87% | 3.49% | 5.50% | 4.94% | 3.35% | -352 bps | |
| Deposit Growth (YoY) | 1.43% | -0.89% | 0.57% | 0.64% | 5.37% | +393 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.47% | 0.48% | 0.47% | +38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.15% | 1.16% | 1.17% | +6 bps | |
| Allowance Coverage of NPLs | 13.1x | 13.3x | 2.5x | 2.4x | 2.5x | -10.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.22% | 7.47% | 8.13% | 8.53% | 8.54% | +133 bps | |
| Total Risk-Based Capital | 13.45% | 13.78% | 13.53% | 13.69% | 13.98% | +53 bps | |
| Equity / Assets | 5.29% | 6.28% | 6.53% | 6.80% | 6.88% | +159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.48% | 85.39% | 86.68% | 86.37% | 85.81% | -167 bps | |
| Liquid Assets / Assets | 0.26% | 1.17% | 0.53% | 0.50% | 1.57% | +131 bps | |
| CRE / Total Capital | n/a | 567% | 570% | 586% | n/a | n/a | |