STERLING FEDERAL BANK, FEDERAL SAVINGS BANK

STERLING, IL | Medium | Est. Jan. 1, 1885, midnight | FDIC #27664 | RSSD #867070 | OCC
Latest Report: 2025-12-31

STERLING FEDERAL BANK, FEDERAL SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in STERLING, IL, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $514M and total deposits of $405M. Profitability stands at 0.22% ROA and 2.84% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 11.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.35% and a Texas Ratio of 39.79%. FDIC Certificate #27664.

Assets

$514M

Deposits

$405M

Loans

$358M

Equity

$41M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 2.84%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.69%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 5.35%
Net Charge-Off Ratio 0.39%
Texas Ratio 39.79%
NPA Ratio 3.75%
ACL / Loans 2.16%

Capital & Liquidity

CET1 Ratio 11.80%
Tier 1 Capital 11.80%
Total Capital Ratio 12.99%
Leverage Ratio 8.73%
Loan-to-Deposit 88.47%

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