Sterling Bank
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
$1.6BAssets
$1.1BLoans
$1.4BDeposits
$175.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of banks $1B-$10B in assets operating regionally (rank 14 of 176).
- Widest gap: equity / assets trails 35% of banks $1B-$10B in assets operating regionally (rank 61 of 176).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $31.3M · efficiency ratio beats 76% of banks $1B-$10B in assets operating regionally | 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 |