Sterling Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Equity capital to total assets edged up by 0.18 percentage points, from 9.05% to 9.23%, the largest move among the key lines here. Within Wisconsin, Sterling Bank is 37th of 85 on CET1 ratio, 13.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Sterling Bank sits 1.55 points lower, at 13.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.52% |
| Tier 1 risk-based capital ratio | 13.52% |
| Total risk-based capital ratio | 14.52% |
| Tier 1 leverage ratio | 9.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $33.3M |
| Tier 1 capital | $33.3M |
| Total risk-based capital | $35.7M |
| Total equity capital | $32.5M |
| Risk-weighted assets | $246.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.23% |
| Tangible equity to tangible assets | 9.23% |
| Equity capital to average assets | 9.17% |
| Internal capital growth rate | 3.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $6.0M |
| Retained earnings | $26.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$731K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.01% | 12.01% | 12.87% | 8.22% | $243.4M |
| Q4 2023 | 12.13% | 12.13% | 13.00% | 8.52% | $244.9M |
| Q1 2024 | 12.42% | 12.42% | 13.30% | 8.75% | $245.2M |
| Q2 2024 | 12.49% | 12.49% | 13.38% | 8.79% | $245.0M |
| Q3 2024 | 12.71% | 12.71% | 13.62% | 8.91% | $242.9M |
| Q4 2024 | 12.61% | 12.61% | 13.55% | 8.70% | $241.1M |
| Q1 2025 | 13.38% | 13.38% | 14.35% | 8.94% | $234.9M |
| Q2 2025 | 13.31% | 13.31% | 14.27% | 9.02% | $239.5M |
| Q3 2025 | 13.61% | 13.61% | 14.59% | 9.29% | $238.4M |
| Q4 2025 | 13.01% | 13.01% | 13.99% | 8.95% | $242.5M |
| Q1 2026 | 13.57% | 13.57% | 14.57% | 9.20% | $242.9M |
| Q2 2026 | 13.52% | 13.52% | 14.52% | 9.37% | $246.0M |
Sterling Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Bank, freeSource: Call Report Schedule RC-R, 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 6195) · FFIEC NIC profile (RSSD 628356)