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.
Cre concentration (tier 1 capital + allowance) dropped 8.48 percentage points in Q3 2026, from 205.06% to 196.58%. It was the largest change from Q2 2026 among the key lines here. Within Wisconsin, Sterling Bank is 100th of 153 on loan-to-deposit ratio, 81.98% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Sterling Bank sits 2.84 points lower, at 78.10% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $258.1M |
| Net loans and leases | $255.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.09% |
| Loan-to-deposit ratio | 78.10% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.79% |
| Multifamily (5+ residential) | 7.13% |
| Commercial and industrial | 5.56% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 5.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.27% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.58% |
| Construction concentration (Tier 1 capital + allowance) | 55.16% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $4.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $225.8M | $291.8M | 32.08% | 6.61% | 0.62% |
| Q1 2024 | $232.5M | $293.2M | 32.32% | 6.37% | 0.63% |
| Q2 2024 | $231.8M | $297.2M | 32.88% | 6.75% | 0.73% |
| Q3 2024 | $231.0M | $297.5M | 32.55% | 6.60% | 0.74% |
| Q4 2024 | $233.6M | $304.4M | 31.32% | 6.55% | 0.67% |
| Q1 2025 | $239.6M | $313.6M | 31.21% | 6.01% | 0.57% |
| Q2 2025 | $242.2M | $314.3M | 33.24% | 6.05% | 0.86% |
| Q3 2025 | $244.3M | $313.5M | 33.57% | 5.91% | 0.86% |
| Q4 2025 | $254.0M | $318.0M | 33.06% | 5.51% | 0.79% |
| Q1 2026 | $256.0M | $318.9M | 34.84% | 5.18% | 0.76% |
| Q2 2026 | $257.8M | $314.5M | 34.16% | 6.04% | 0.78% |
| Q3 2026 | $258.1M | $330.5M | 33.79% | 5.56% | 0.85% |
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 6195) · FFIEC NIC profile (RSSD 628356)