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First National Bank of Sterling City, The

Sterling City, TX · Cert 5538 · Sterling City Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$240.1MAssets
$45.4MLoans
$218.4MDeposits
$21.6MEquity
Loan mix
67%RE $23.6M20%C&I $7.0M13%Consumer $4.6MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $138.3M37%Noninterest $80.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.31%, up 19 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.62%, up 20 bps from a year ago.
  • Funding: loans stand at 20.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+14 bps YoY

Efficiency Ratio (YTD, annualized)

44.08%-541 bps YoY

Tier 1 Leverage Ratio

11.62%+20 bps YoY

NIM

3.18%Q2 ’243.32%Q2 ’253.50%Q2 ’26+12%+5%

Non-interest income vs. expense

1.29%Q2 ’241.42%Q2 ’251.30%Q2 ’26+8%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.01%1.13%1.13%1.15%1.16%1.32%1.31%+19 bps
Return on Equity22.83%22.53%19.86%18.57%17.31%16.36%15.40%15.07%-350 bps
Net Interest Margin2.42%2.45%2.57%2.65%2.62%2.63%2.73%2.79%+14 bps
Efficiency Ratio51.01%51.49%48.67%49.49%49.08%49.48%43.43%44.08%-541 bps
Non-Interest Burden1.16%1.19%1.13%1.20%1.19%1.20%1.09%1.13%-7 bps
Growth
Asset Growth (YoY)2.52%-3.94%-7.35%1.35%6.74%8.54%14.22%6.25%+490 bps
Loan Growth (YoY)13.84%13.01%29.37%25.74%16.48%5.77%-3.70%3.10%-2,264 bps
Deposit Growth (YoY)-3.30%-5.05%-10.49%-1.45%4.84%4.20%11.74%3.81%+526 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.01%-0.01%0.01%0.03%0.00%-0.01%0 bps
Allowance / Loans1.05%1.11%1.10%1.11%1.11%1.15%1.11%1.09%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a497.0xn/an/a
Capital
Tier 1 Leverage Ratio10.60%10.81%10.58%11.42%11.40%11.56%10.96%11.62%+20 bps
Total Risk-Based Capital37.67%37.72%36.00%37.43%37.57%39.82%38.68%40.26%+283 bps
Equity / Assets6.60%4.89%6.45%6.86%8.26%8.69%8.47%8.98%+213 bps
Liquidity & Funding
Loans / Deposits17.82%18.06%20.83%20.94%19.80%18.34%17.95%20.79%-14 bps
Liquid Assets / Assets3.40%4.62%1.69%3.32%9.01%7.61%5.56%0.10%-322 bps
CRE / Total Capitaln/an/an/an/a30.06%7.55%11.33%n/an/a