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 Barron, WI against its peer group of 2603 similarly-sized US banks as of Q3 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 | 1.84% | 1.25% | +0.59% | 73rd above |
| ROAE | 20.41% | 13.21% | +7.20% | 84th top |
| Net Interest Margin | 3.70% | 3.95% | -0.25% | 31st below |
| Efficiency Ratio | 49.97% | 61.29% | -11.32% | 76th top |
| PPNR / Avg Assets | 1.91% | — | — | 60th above |
| Yield on Earning Assets | 5.26% | 5.68% | -0.42% | 35th below |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 50th above |
| Net Interest Spread | 3.09% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 95th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 0.91% | — | — | 12th bottom |
| Texas Ratio | 0.00% | 7.37% | -7.37% | 95th top |
| Provision / NCO | 305.41% | — | — | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.45% | 17.08% | -3.63% | 22nd bottom |
| Tier 1 Ratio | 13.45% | 17.11% | -3.66% | 22nd bottom |
| Total Capital Ratio | 14.45% | — | — | 22nd bottom |
| Leverage Ratio | 9.28% | 11.73% | -2.45% | 10th bottom |
| Equity / Assets | 8.98% | 10.97% | -1.99% | 25th below |
| TCE / Tangible Assets | 8.98% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 78.10% | 80.71% | -2.61% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.49% | 86.89% | +0.60% | 33rd below |
| Wholesale Funding Ratio | 0.73% | — | — | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.62% | — | — | 65th above |
| Loan Growth (Y/Y) | 5.65% | — | — | 51st above |
| Deposit Growth (Y/Y) | 5.43% | — | — | 60th above |
See Sterling Bank's peers by name
The 2603 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.