Sterling City, TX · Cert 5538 · Sterling City Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.21% | 1.16% | 1.32% | 1.28% | +15 bps | |
| Return on Equity | 16.94% | 16.02% | 13.69% | 15.40% | 14.64% | -229 bps | |
| Net Interest Margin | 2.60% | 2.72% | 2.77% | 2.73% | 2.76% | +16 bps | |
| Efficiency Ratio | 50.37% | 48.29% | 50.61% | 43.43% | 44.75% | -562 bps | |
| Non-Interest Burden | 1.22% | 1.22% | 1.31% | 1.09% | 1.14% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.35% | 6.74% | 8.54% | 14.22% | 6.25% | +490 bps | |
| Loan Growth (YoY) | 25.74% | 16.48% | 5.77% | -3.70% | 3.10% | -2,264 bps | |
| Deposit Growth (YoY) | -1.45% | 4.84% | 4.20% | 11.74% | 3.81% | +526 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.04% | 0.11% | 0.00% | -0.03% | 0 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.15% | 1.11% | 1.09% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 497.0x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.40% | 11.56% | 10.96% | 11.62% | +20 bps | |
| Total Risk-Based Capital | 37.43% | 37.57% | 39.82% | 38.68% | 40.26% | +283 bps | |
| Equity / Assets | 6.86% | 8.26% | 8.69% | 8.47% | 8.98% | +213 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.94% | 19.80% | 18.34% | 17.95% | 20.79% | -14 bps | |
| Liquid Assets / Assets | 3.32% | 9.01% | 7.61% | 5.56% | 0.10% | -322 bps | |
| CRE / Total Capital | n/a | 30.06% | 7.55% | 11.33% | n/a | n/a | |