STERLING BANK

POPLAR BLUFF, MO | Large | Est. Oct. 19, 2004, midnight | FDIC #57813 | RSSD #3284490 | FDIC
Latest Report: 2025-12-31

STERLING BANK is aln large FDIC-insured commercial bank headquartered in POPLAR BLUFF, MO, established in Oct. 19, 2004, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.3B. Profitability stands at 1.44% ROA and 12.80% ROE, with a net interest margin of 4.77%. The bank's CET1 capital ratio is 16.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.95%. FDIC Certificate #57813.

Assets

$1.5B

Deposits

$1.3B

Loans

$1.0B

Equity

$171M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 12.80%
Net Interest Margin (NIM) 4.77%
Yield on Assets 7.42%
Cost of Funds 3.10%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.11%
Texas Ratio 1.95%
NPA Ratio 0.24%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 16.92%
Tier 1 Capital 16.92%
Total Capital Ratio 18.17%
Leverage Ratio 11.21%
Loan-to-Deposit 76.88%

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