Sterling Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 3.41 percentage points in Q2 2026, from 92.26% to 95.67%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Sterling Bank is 124th of 192 on loan-to-deposit ratio, 78.18% as of Q2 2026, below the middle of the field. Sterling Bank reported 78.18% on loan-to-deposit ratio for Q2 2026, 10.02 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $355.0M |
| Cash and noninterest-bearing balances to assets | 22.70% |
| Cash and securities | $415.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.18% |
| Net loans and leases to deposits | 77.16% |
| Loans and leases to core deposits | 95.67% |
| Core deposits to total deposits | 81.72% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 83.90% | 85.41% | $1.5M | $5.6M |
| Q4 2023 | 77.81% | 85.50% | $1.5M | $5.6M |
| Q1 2024 | 80.62% | 85.09% | $1.5M | $5.6M |
| Q2 2024 | 83.74% | 84.58% | $1.6M | $5.6M |
| Q3 2024 | 77.52% | 83.51% | $1.6M | $5.5M |
| Q4 2024 | 78.31% | 82.94% | $0 | $5.5M |
| Q1 2025 | 79.12% | 83.21% | $0 | $513K |
| Q2 2025 | 84.23% | 82.41% | $0 | $513K |
| Q3 2025 | 76.87% | 81.70% | $0 | $0 |
| Q4 2025 | 76.88% | 82.19% | $0 | $0 |
| Q1 2026 | 75.37% | 81.69% | $0 | $0 |
| Q2 2026 | 78.18% | 81.72% | $0 | $0 |
Sterling Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Bank, freeSource: Call Report Schedules RC and RC-M, 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)