Sterling Bank (Barron, WI)
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Data as of · sourced from FFIEC call reports. How we update
Sterling Bank is an FDIC-insured commercial bank headquartered in Barron, WI, established in 1885 (FDIC certificate 6195), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $352.4M, up 1.0% from Q2 2025, the 84th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6195
- Headquarters
- Barron, WI
- Established
- 1885
- Total assets, Q2 2026
- $352.4M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 13.52%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091803300
- Holding company
- STERLING BANCORP, INC.
- Asset rank in state
- 84th of 153 in Wisconsin
Sterling Bank, based in Barron, Wisconsin, reported $352 million in assets at June 30, 2026, up 1.0% from a year earlier. It carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.37% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 25% from a year earlier, to $1.5 million. Over the same year, loans grew 6.4% and deposits grew 0.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Sterling Bank reported a CET1 capital ratio of 13.52%, a return on assets of 1.70%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sterling Bank is the 84th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $352.4M, loans rose 0.7% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.7% of total loans, ahead of owner-occupied commercial real estate loans at 21.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WI; its Chetek office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sterling Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 234 E La Salle Ave, Barron, WI 54812
- County
- Barron
- Metro Area
- Rice Lake, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1885
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $314.5M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $354.8M
- Average total loans
- $255.1M
- Average interest-bearing deposits
- $255.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6195
- Fed RSSD
- 628356
- Website
- http://www.sterlingbank.ws →
- Parent Holding Company
- STERLING BANCORP, INC. (RSSD 1124828)
- Ultimate Parent
- NORTHWEST WISCONSIN BANCORP, INC. (RSSD 2176105)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Sterling Bank's total assets moved between a low of $344.0M (Q2 2024) and a high of $355.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$352.4M total assets against $348.9M; $319.8M total liabilities against $317.9M.
$255.5M net loans and leases against $239.9M; $314.5M total deposits against $314.3M.
$85.5M securities against $92.9M; $6.1M cash and balances due against $10.7M.
$4.4M total interest income against $4.2M; $1.4M total interest expense against $1.5M.
$3.1M net interest income against $2.7M.
$388K total noninterest income against $343K; $1.9M total noninterest expense against $1.8M.
$60K provision for credit losses against $30K.
$1.5M net income against $1.2M.
1.70% return on assets against 1.36%; 3.64% net interest margin against 3.23%.
13.52% CET1 capital ratio against 13.31%; 9.37% tier 1 leverage ratio against 9.02%.
Inside the full Sterling Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Sterling Bank rankings
Its closest position to the top of a national ranking is 915 of 3,611, for ROA; its furthest is 3,186 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q1 2025) to 1.71% (Q4 2025) and its net interest margin ran from 2.92% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 1.70% | 0.02% | 0.16% | 3.64% |
| Q1 2026 | 13.57% | 1.57% | 0.04% | 0.27% | 3.54% |
| Q4 2025 | 13.01% | 1.71% | 0.04% | 0.27% | 3.59% |
| Q3 2025 | 13.61% | 1.51% | 0.04% | 0.26% | 3.41% |
| Q2 2025 | 13.31% | 1.36% | 0.00% | 0.00% | 3.23% |
| Q1 2025 | 13.38% | 1.15% | 0.00% | 0.00% | 3.07% |
| Q4 2024 | 12.61% | 1.21% | 0.00% | 0.00% | 3.08% |
| Q3 2024 | 12.71% | 1.18% | 0.00% | 0.00% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chetek Branch | Chetek , WI | 54728 | $124.1M |
| Sterling Bank (main office) | Barron , WI | 54812 | $116.1M |
| Luck Branch | Luck , WI | 54853 | $38.9M |
| Rice Lake Branch | Rice Lake , WI | 54868 | $35.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired Chetek State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 89 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $881K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sterling Bank
What are Sterling Bank's total assets?
As of the Q2 2026 filing, Sterling Bank reported total assets of $352.4 million in its FFIEC call report.
Where is Sterling Bank headquartered?
It is headquartered in Barron, WI, United States.
When was Sterling Bank founded?
It was established in 1885, per the FDIC institution directory.
Is Sterling Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sterling Bank?
Sterling Bank's primary federal regulator is the FDIC.
What is Sterling Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sterling Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sterling Bank's Texas Ratio?
Its Texas Ratio is 0.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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