Sterling Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sterling Bank of Poplar Bluff, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.46% | +0.11% | 71st above |
| ROAE | 14.11% | 12.72% | +1.39% | 64th above |
| Net Interest Margin | 4.35% | 3.85% | +0.50% | 84th top |
| Efficiency Ratio | 51.48% | 57.41% | -5.93% | 72nd above |
| PPNR / Avg Assets | 1.96% | 1.88% | +0.08% | 66th above |
| Yield on Earning Assets | 6.79% | 5.72% | +1.07% | 94th top |
| Cost of Funds | 2.62% | 2.02% | +0.60% | 17th bottom |
| Net Interest Spread | 3.84% | 3.18% | +0.66% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 1.00% | -0.65% | 69th above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 71st above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 52nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.31% | -0.01% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 371.34% | 543.46% | -172.12% | 75th top |
| Texas Ratio | 2.01% | 7.39% | -5.38% | 77th top |
| Provision / NCO | 103.06% | 618.97% | -515.91% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 17.34% | -0.53% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 17.37% | -0.56% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.06% | 18.42% | -0.36% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.14% | 11.44% | -0.30% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.20% | 11.34% | -0.14% | 63rd above |
| TCE / Tangible Assets | 11.16% | 10.50% | +0.66% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.18% | 86.96% | -8.78% | 74th above |
| Core Deposit Ratio | 81.72% | 85.56% | -3.84% | 25th below |
| Uninsured Deposit Ratio | 20.96% | 33.13% | -12.17% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.36% | 9.68% | -1.32% | 69th above |
| Loan Growth (Y/Y) | 1.50% | 8.06% | -6.56% | 25th below |
| Deposit Growth (Y/Y) | 9.35% | 7.87% | +1.48% | 73rd above |
See Sterling Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sterling Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sterling Bank profile, how to read a UBPR, or how this data updates.