Sterling Bank (Poplar Bluff, MO)
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Data as of · sourced from FFIEC call reports. How we update
Sterling Bank is an FDIC-insured commercial bank headquartered in Poplar Bluff, MO, established in 2004 (FDIC certificate 57813), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.56B, up 8.4% from Q2 2025, the 24th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57813
- Headquarters
- Poplar Bluff, MO
- Established
- 2004
- Total assets, Q2 2026
- $1.56B
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 16.81%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 081519073
- Latest call report
- Q2 2026, FFIEC 041 · Sterling Bank call report
- Holding company
- STERLING BANCSHARES, INC.
- Asset rank in state
- 24th of 191 in Missouri
Sterling Bank leans heavily on commercial real estate. The Poplar Bluff, Missouri bank had $1.6 billion in assets at June 30, 2026, up 8.4% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it keeps 4.35 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 1.5% and deposits rose 9.4%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 0.79%. Funding is the softer spot: it pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Sterling Bank reported a CET1 capital ratio of 16.81%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.01%. The figures come from its call report filed with the FFIEC.
Sterling Bank ranks as the 24th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $1.56B, loans rose 2.9% and deposits fell 0.8%. Commercial and industrial loans made up 34.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 19.5%. Its 16 offices in the FDIC Summary of Deposits are in 14 cities across 3 states; its Saint Louis office books 20% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sterling Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 Sterling Dr, Poplar Bluff, MO 63901
- County
- Butler
- Metro Area
- Poplar Bluff, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 19, 2004
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 163
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $14.0M
- Net charge-offs (YTD)
- $98K
- Average total assets
- $1.56B
- Average total loans
- $1.05B
- Average interest-bearing deposits
- $1.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 19, 2004
- FDIC Cert
- 57813
- Fed RSSD
- 3284490
- Website
- www.sterbank.bank →
- Parent Holding Company
- STERLING BANCSHARES, INC. (RSSD 3283587)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Sterling Bank's total assets moved between a low of $1.36B (Q3 2023) and a high of $1.57B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.56B total assets against $1.44B; $1.39B total liabilities against $1.27B.
$1.06B net loans and leases against $1.05B; $1.38B total deposits against $1.26B.
$60.9M securities against $56.0M; $355.0M cash and balances due against $245.9M.
$24.8M total interest income against $24.1M; $9.0M total interest expense against $8.5M.
$15.7M net interest income against $15.5M.
$799K total noninterest income against $787K; $8.9M total noninterest expense against $8.8M.
$20K provision for credit losses against $40K.
$6.1M net income against $6.1M.
1.57% return on assets against 1.70%; 4.35% net interest margin against 4.75%.
16.81% CET1 capital ratio against 16.63%; 11.14% tier 1 leverage ratio against 12.03%.
Inside the full Sterling Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sterling Bank rankings
Its closest position to the top of a national ranking is 711 of 4,196, for total assets; its furthest is 796 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q1 2025) to 1.82% (Q3 2025) and its net interest margin ran from 4.10% (Q1 2025) to 5.00% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 1.57% | 0.35% | 2.01% | 4.35% |
| Q1 2026 | 16.98% | 1.67% | 0.36% | 2.02% | 4.36% |
| Q4 2025 | 16.92% | 1.44% | 0.35% | 1.97% | 4.75% |
| Q3 2025 | 17.13% | 1.82% | 0.35% | 1.99% | 5.00% |
| Q2 2025 | 16.63% | 1.70% | 0.79% | 4.51% | 4.75% |
| Q1 2025 | 17.44% | 1.32% | 0.85% | 4.58% | 4.10% |
| Q4 2024 | 18.29% | 1.47% | 0.86% | 4.59% | 4.50% |
| Q3 2024 | 18.33% | 1.39% | 0.78% | 4.09% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Saint Louis Branch | Saint Louis , MO | 63105 | $276.5M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $181.5M |
| Saint Charles Branch | Saint Charles , IL | 60174 | $164.9M |
| Cape Girandeau Branch | Cape Girardeau , MO | 63703 | $124.3M |
| Sterling Bank (main office) | Poplar Bluff , MO | 63901 | $98.0M |
| Poplar Bluff Branch | Poplar Bluff , MO | 63901 | $86.2M |
| Bernie Facility | Bernie , MO | 63822 | $84.1M |
| Malden Facility | Malden , MO | 63863 | $81.9M |
| Kansas City Branch | Kansas City , MO | 64112 | $59.9M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $52.7M |
| Poplar Bluff South Facility | Poplar Bluff , MO | 63901 | $49.3M |
| Van Buren Branch | Van Buren , MO | 63965 | $31.2M |
| Rogers Branch | Rogers , AR | 72758 | $29.3M |
| Campbell Facility | Campbell , MO | 63933 | $29.1M |
| Bentonville Branch | Bentonville , AR | 72712 | $14.2M |
| Little Rock Branch | Little Rock , AR | 72223 | $12.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 2016 | Structure Change | Acquired First Community Bank, Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 39 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 78 loans originated, $29.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $39K approved, $39K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sterling Bank
What are Sterling Bank's total assets?
As of the Q2 2026 filing, Sterling Bank reported total assets of $1.56 billion in its FFIEC call report.
Where is Sterling Bank headquartered?
It is headquartered in Poplar Bluff, MO, United States.
When was Sterling Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Sterling Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57813). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sterling Bank?
Sterling Bank's primary federal regulator is the FDIC.
What is Sterling Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sterling Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sterling Bank's Texas Ratio?
Its Texas Ratio is 2.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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