Sterling Federal Bank, Federal Savings Bank
Sterling, IL · Cert 27664 · Peer group: banks under $1B in assets in IL (n=149-151)
State savings bank · OCC · 9 branches
Q2 2026
$481.6MAssets
$338.0MLoans
$403.4MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 50% of banks under $1B in assets in IL (rank 75 of 151).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in IL (rank 149 of 149).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-2.32%
Rank 149 of 151
Net Interest Margin
3.44%
Rank 75 of 151
Efficiency Ratio
82.92%
Rank 136 of 151
Equity / Assets
7.24%
Rank 142 of 151
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 11% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.32% | 0.70% | 1.03% | 1.34% | Beats 1% | 149 / 151 | |
| Return on Equity | -31.99% | 6.74% | 9.34% | 12.94% | Beats 1% | 149 / 151 | |
| Net Interest Margin | 3.44% | 3.02% | 3.43% | 3.83% | Beats 50% | 75 / 151 | |
| Efficiency Ratio | 82.92% | 54.64% | 64.89% | 72.50% | Beats 11% | 136 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.26% | 0.20% | 0.66% | 1.77% | Beats 2% | 147 / 149 | |
| Net Charge-Offs / Loans | 2.11% | 0.00% | 0.02% | 0.07% | Beats 1% | 149 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 11.83% | 14.17% | 18.66% | Beats 9% | 138 / 151 | |
| Total Risk-Based Capital Ratio | 11.80% | 12.22% | 14.54% | 19.92% | Beats 20% | 121 / 151 | |
| Equity / Assets | 7.24% | 9.10% | 10.65% | 12.40% | Beats 6% | 142 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 83.79% | 54.39% | 71.02% | 80.75% | 81st pctl | 29 / 149 | |
| Loans / Assets | 70.19% | 45.91% | 61.31% | 68.01% | 81st pctl | 29 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |