Sterling Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.5% to $73.1M. Within Missouri, Sterling Bank is 26th of 98 on CET1 ratio, 16.81% as of Q2 2026, above the middle of the field. Sterling Bank reported 16.81% on CET1 ratio for Q2 2026, 3.33 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 18.06% |
| Tier 1 leverage ratio | 11.14% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $173.8M |
| Tier 1 capital | $173.8M |
| Total risk-based capital | $186.7M |
| Total equity capital | $175.1M |
| Risk-weighted assets | $1.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.20% |
| Tangible equity to tangible assets | 11.16% |
| Equity capital to average assets | 11.21% |
| Internal capital growth rate | 4.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $99.8M |
| Retained earnings | $73.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.27% | 17.27% | 18.52% | 11.98% | $938.0M |
| Q4 2023 | 18.69% | 18.69% | 19.95% | 11.90% | $879.1M |
| Q1 2024 | 18.02% | 18.02% | 19.27% | 11.91% | $910.6M |
| Q2 2024 | 17.66% | 17.66% | 18.92% | 12.06% | $940.6M |
| Q3 2024 | 18.33% | 18.33% | 19.58% | 11.96% | $909.4M |
| Q4 2024 | 18.29% | 18.29% | 19.54% | 11.84% | $920.5M |
| Q1 2025 | 17.44% | 17.44% | 18.69% | 11.89% | $972.0M |
| Q2 2025 | 16.63% | 16.63% | 17.88% | 12.03% | $1.03B |
| Q3 2025 | 17.13% | 17.13% | 18.35% | 11.50% | $986.2M |
| Q4 2025 | 16.92% | 16.92% | 18.17% | 11.21% | $1.00B |
| Q1 2026 | 16.98% | 16.98% | 18.23% | 11.09% | $1.01B |
| Q2 2026 | 16.81% | 16.81% | 18.06% | 11.14% | $1.03B |
Sterling Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sterling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57813) · FFIEC NIC profile (RSSD 3284490)