Poplar Bluff, MO · Cert 57813 · Sterling Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
70
Profitability
79
Liquidity
32
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Poplar Bluff, MO · Cert 57813 · Sterling Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #45 of 111 inst. · $0.5B of $141.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.50% | 1.33% | 1.51% | 1.61% | 1.57% | 1.68% | 1.63% | +12 bps | |
| Return on Equity | 12.61% | 12.56% | 11.10% | 12.63% | 13.66% | 13.44% | 15.08% | 14.60% | +197 bps | |
| Net Interest Margin | 3.82% | 3.84% | 3.74% | 4.04% | 4.15% | 4.12% | 4.03% | 4.02% | -2 bps | |
| Efficiency Ratio | 54.83% | 54.06% | 59.37% | 56.33% | 53.95% | 53.01% | 50.99% | 52.31% | -402 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 2.13% | 2.18% | 2.14% | 2.08% | 1.95% | 2.00% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 2.47% | 2.84% | 4.93% | 6.07% | 7.56% | 10.33% | 8.36% | +343 bps | |
| Loan Growth (YoY) | -3.71% | 3.36% | 1.69% | 6.57% | 6.78% | 7.20% | 6.33% | 1.50% | -507 bps | |
| Deposit Growth (YoY) | 4.22% | 2.71% | 3.61% | 5.95% | 7.68% | 9.19% | 11.62% | 9.35% | +340 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.86% | 0.85% | 0.79% | 0.35% | 0.35% | 0.36% | 0.35% | -44 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.22% | 0.02% | -0.08% | 0.18% | 0.11% | 0.01% | 0.02% | +10 bps | |
| Allowance / Loans | 1.44% | 1.33% | 1.29% | 1.24% | 1.17% | 1.36% | 1.34% | 1.30% | +6 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.5x | 1.5x | 1.6x | 3.3x | 3.9x | 3.7x | 3.7x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.96% | 11.84% | 11.89% | 12.03% | 11.50% | 11.21% | 11.09% | 11.14% | -89 bps | |
| Total Risk-Based Capital | 19.58% | 19.54% | 18.69% | 17.88% | 18.35% | 18.17% | 18.23% | 18.06% | +18 bps | |
| Equity / Assets | 11.89% | 11.94% | 12.01% | 11.99% | 11.28% | 11.24% | 11.03% | 11.20% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.52% | 78.31% | 79.12% | 84.23% | 76.87% | 76.88% | 75.37% | 78.18% | -605 bps | |
| Liquid Assets / Assets | 22.84% | 21.94% | 20.44% | 16.20% | 23.12% | 23.33% | 24.97% | 22.12% | +591 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 231% | 238% | n/a | n/a | |
Poplar Bluff, MO · Cert 57813 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Sterling Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Return on Assets
1.62%
Rank 34 of 176
Net Interest Margin
4.02%
Rank 32 of 176
Efficiency Ratio
52.31%
Rank 43 of 176
Equity / Assets
11.20%
Rank 61 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.93% | 1.26% | 1.54% | Beats 81% | 34 / 176 | ||
| Return on Equity | 14.44% | 9.26% | 11.89% | 14.46% | Beats 74% | 45 / 176 | ||
| Net Interest Margin | 4.02% | 3.25% | 3.59% | 3.93% | Beats 82% | 32 / 176 | ||
| Efficiency Ratio | 52.31% | 52.79% | 59.55% | 67.66% | Beats 76% | 43 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.30% | 0.64% | 1.32% | Beats 70% | 54 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 70% | 53 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.81% | 11.15% | 12.72% | 14.15% | Beats 92% | 14 / 176 | ||
| Total Risk-Based Capital Ratio | 18.06% | 11.81% | 13.63% | 15.33% | Beats 92% | 14 / 176 | ||
| Equity / Assets | 11.20% | 9.16% | 10.35% | 11.80% | Beats 65% | 61 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.18% | 80.94% | 89.73% | 97.21% | 17th pctl | 146 / 176 | ||
| Loans / Assets | 68.78% | 69.25% | 75.12% | 80.82% | 23rd pctl | 136 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||