Sterling Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.81 percentage points higher than in Q1 2026, at 78.18%. Sterling Bank ranks 124th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 78.18% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.06B |
| Loans held for sale | $0 |
| Loans to total assets | 68.78% |
| Loan-to-deposit ratio | 78.18% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.22% |
| Multifamily (5+ residential) | 7.67% |
| Commercial and industrial | 34.58% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.07% |
| State and political subdivisions | 15.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.29% |
| Construction concentration (Tier 1 capital + allowance) | 111.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.05% |
| Interest income on loans | $20.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $991.0M | $1.18B | 7.43% | 27.99% | 1.06% |
| Q4 2023 | $931.8M | $1.20B | 7.88% | 25.69% | 1.14% |
| Q1 2024 | $966.5M | $1.20B | 7.42% | 22.99% | 1.11% |
| Q2 2024 | $994.3M | $1.19B | 7.67% | 22.16% | 1.09% |
| Q3 2024 | $954.3M | $1.23B | 7.85% | 35.87% | 1.14% |
| Q4 2024 | $963.1M | $1.23B | 8.31% | 35.12% | 1.54% |
| Q1 2025 | $982.9M | $1.24B | 8.73% | 36.58% | 1.09% |
| Q2 2025 | $1.06B | $1.26B | 11.01% | 34.11% | 1.07% |
| Q3 2025 | $1.02B | $1.33B | 11.66% | 34.72% | 1.27% |
| Q4 2025 | $1.03B | $1.34B | 10.79% | 33.85% | 1.12% |
| Q1 2026 | $1.05B | $1.39B | 10.56% | 34.43% | 1.01% |
| Q2 2026 | $1.08B | $1.38B | 12.22% | 34.58% | 0.98% |
Sterling Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Bank, freeSource: Call Report Schedule RC-C, 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)