STERLING STATE BANK

AUSTIN, MN | Small | Est. May 1, 1958, midnight | FDIC #17863 | RSSD #144155 | FDIC
Latest Report: 2025-12-31

STERLING STATE BANK is asn small FDIC-insured commercial bank headquartered in AUSTIN, MN, established in May 1, 1958, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $361M. Profitability stands at 0.61% ROA and 9.60% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 12.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 4.15%. FDIC Certificate #17863.

Assets

$482M

Deposits

$361M

Loans

$313M

Equity

$31M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 9.60%
Net Interest Margin (NIM) 3.34%
Yield on Assets 4.84%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio -0.10%
Texas Ratio 4.15%
NPA Ratio 0.30%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 12.36%
Tier 1 Capital 12.36%
Total Capital Ratio 13.53%
Leverage Ratio 8.13%
Loan-to-Deposit 86.68%

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