Sterling Bank and Trust, F.S.B.
Southfield, MI · Cert 32232 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 27 branches
Q1 2025
$2.3BAssets
$740.9MLoans
$2.0BDeposits
$292.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 31 of 289).
- Widest gap: return on equity trails 100% of banks $1B-$10B in assets (rank 294 of 295).
- Overall: at or above the peer median on 2 of 8 directional measures.
Return on Assets
-6.47%
Rank 295 of 295
Net Interest Margin
2.72%
Rank 229 of 295
Equity / Assets
12.72%
Rank 41 of 295
Non-interest income vs. expense
Unfavorable gap of $263.6M | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -6.47% | 0.66% | 0.99% | 1.28% | Beats 0% | 295 / 295 | | |
| Return on Equity | -50.83% | 6.86% | 10.32% | 12.56% | Beats 0% | 294 / 295 | | |
| Net Interest Margin | 2.72% | 2.78% | 3.17% | 3.67% | Beats 22% | 229 / 295 | | |
| Efficiency Ratio | n/a | Not reported for this institution |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.14% | 0.43% | 0.88% | Beats 15% | 246 / 289 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.03% | Beats 100% | 31 / 289 | | |
| Capital |
| Tier 1 Capital Ratio | 12.09% | 11.30% | 12.70% | 14.80% | Beats 40% | 177 / 295 | | |
| Total Risk-Based Capital Ratio | 12.09% | 12.21% | 13.57% | 15.83% | Beats 22% | 230 / 295 | | |
| Equity / Assets | 12.72% | 8.74% | 9.92% | 11.39% | Beats 86% | 41 / 295 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.37% | 77.01% | 86.08% | 94.78% | 2nd pctl | 284 / 290 | | |
| Loans / Assets | 32.23% | 65.46% | 73.72% | 80.10% | 2nd pctl | 283 / 289 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |