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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.47% | 1.33% | 1.70% | 1.82% | 1.44% | 1.68% | 1.57% | -13 bps | |
| Return on Equity | 11.51% | 12.37% | 11.10% | 14.14% | 15.63% | 12.80% | 15.08% | 14.11% | -3 bps | |
| Net Interest Margin | 3.74% | 4.12% | 3.74% | 4.34% | 4.59% | 4.39% | 4.03% | 4.04% | -31 bps | |
| Efficiency Ratio | 58.33% | 51.93% | 59.37% | 53.70% | 49.86% | 50.39% | 50.99% | 53.62% | -8 bps | |
| Non-Interest Burden | 2.08% | 2.03% | 2.13% | 2.23% | 2.17% | 2.11% | 1.95% | 2.07% | -16 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% | 0.83% | 0.02% | -0.18% | 0.70% | -0.10% | 0.01% | 0.02% | +20 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 | |