Sterling Bank
Barron, WI · Cert 6195 · Peer group: banks under $1B in assets in WI (n=110-113) · Northwest Wisconsin Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$352.4MAssets
$257.8MLoans
$314.5MDeposits
$32.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets in WI (rank 25 of 113).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in WI (rank 89 of 110).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 44 of 113
Net Interest Margin
3.43%
Rank 67 of 113
Efficiency Ratio
55.58%
Rank 32 of 113
Equity / Assets
9.23%
Rank 83 of 113
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 73% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.85% | 1.17% | 1.51% | Beats 61% | 44 / 113 | | |
| Return on Equity | 14.02% | 7.70% | 10.77% | 13.67% | Beats 78% | 25 / 113 | | |
| Net Interest Margin | 3.43% | 3.19% | 3.59% | 3.89% | Beats 41% | 67 / 113 | | |
| Efficiency Ratio | 55.58% | 54.61% | 62.43% | 71.88% | Beats 73% | 32 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.24% | 0.91% | Beats 77% | 26 / 110 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.01% | Beats 20% | 89 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.22% | 12.95% | 15.76% | Beats 58% | 48 / 113 | | |
| Total Risk-Based Capital Ratio | 14.52% | 11.57% | 13.59% | 16.73% | Beats 60% | 45 / 113 | | |
| Equity / Assets | 9.23% | 9.17% | 10.74% | 13.13% | Beats 27% | 83 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.98% | 76.54% | 86.37% | 98.93% | 39th pctl | 68 / 112 | | |
| Loans / Assets | 73.16% | 63.07% | 71.33% | 78.84% | 54th pctl | 52 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |