STERLING BANK

BARRON, WI | Small | Est. May 1, 1885, midnight | FDIC #6195 | RSSD #628356 | FDIC
Latest Report: 2025-12-31

STERLING BANK is asn small FDIC-insured commercial bank headquartered in BARRON, WI, established in May 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $353M and total deposits of $318M. Profitability stands at 1.71% ROA and 19.27% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 13.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.27%. FDIC Certificate #6195.

Assets

$353M

Deposits

$318M

Loans

$254M

Equity

$31M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 19.27%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.47%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio --
Texas Ratio 0.27%
NPA Ratio 0.03%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 13.01%
Tier 1 Capital 13.01%
Total Capital Ratio 13.99%
Leverage Ratio 8.95%
Loan-to-Deposit 79.89%

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