Sterling Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 83rd of 192 Missouri banks on return on assets, in the upper half at 1.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Sterling Bank sits 0.30 points higher, at 1.57% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 18.06% |
| Tier 1 leverage ratio | 11.14% |
| Equity capital to assets | 11.20% |
| Tangible equity to tangible assets | 11.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.01% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 371.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 14.11% |
| Net interest margin | 4.35% |
| Efficiency ratio | 51.48% |
| Yield on earning assets | 6.79% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.18% |
| Core deposits to total deposits | 81.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.97% |
| Securities to assets | 3.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.27% | 17.27% | 18.52% | 11.98% | 1.46% |
| Q4 2023 | 18.69% | 18.69% | 19.95% | 11.90% | 1.62% |
| Q1 2024 | 18.02% | 18.02% | 19.27% | 11.91% | 1.46% |
| Q2 2024 | 17.66% | 17.66% | 18.92% | 12.06% | 1.71% |
| Q3 2024 | 18.33% | 18.33% | 19.58% | 11.96% | 1.39% |
| Q4 2024 | 18.29% | 18.29% | 19.54% | 11.84% | 1.47% |
| Q1 2025 | 17.44% | 17.44% | 18.69% | 11.89% | 1.32% |
| Q2 2025 | 16.63% | 16.63% | 17.88% | 12.03% | 1.70% |
| Q3 2025 | 17.13% | 17.13% | 18.35% | 11.50% | 1.82% |
| Q4 2025 | 16.92% | 16.92% | 18.17% | 11.21% | 1.44% |
| Q1 2026 | 16.98% | 16.98% | 18.23% | 11.09% | 1.67% |
| Q2 2026 | 16.81% | 16.81% | 18.06% | 11.14% | 1.57% |
Sterling Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)