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.
Loan-to-deposit ratio dropped 3.87 percentage points in Q3 2026, from 81.98% to 78.10%. It was the largest change from Q2 2026 among the key lines here. Within Wisconsin, Sterling Bank is 33rd of 153 on return on assets, 1.70% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Sterling Bank sits 0.59 points higher, at 1.84% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 13.45% |
| Tier 1 risk-based capital ratio | 13.45% |
| Total risk-based capital ratio | 14.45% |
| Tier 1 leverage ratio | 9.28% |
| Equity capital to assets | 8.98% |
| Tangible equity to tangible assets | 8.98% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 20.41% |
| Net interest margin | 3.70% |
| Efficiency ratio | 49.97% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.10% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.74% |
| Securities to assets | 22.33% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 12.13% | 12.13% | 13.00% | 8.52% | 1.12% |
| Q1 2024 | 12.42% | 12.42% | 13.30% | 8.75% | 0.85% |
| Q2 2024 | 12.49% | 12.49% | 13.38% | 8.79% | 1.03% |
| Q3 2024 | 12.71% | 12.71% | 13.62% | 8.91% | 1.18% |
| Q4 2024 | 12.61% | 12.61% | 13.55% | 8.70% | 1.21% |
| Q1 2025 | 13.38% | 13.38% | 14.35% | 8.94% | 1.15% |
| Q2 2025 | 13.31% | 13.31% | 14.27% | 9.02% | 1.36% |
| Q3 2025 | 13.61% | 13.61% | 14.59% | 9.29% | 1.51% |
| Q4 2025 | 13.01% | 13.01% | 13.99% | 8.95% | 1.71% |
| Q1 2026 | 13.57% | 13.57% | 14.57% | 9.20% | 1.57% |
| Q2 2026 | 13.52% | 13.52% | 14.52% | 9.37% | 1.70% |
| Q3 2026 | 13.45% | 13.45% | 14.45% | 9.28% | 1.84% |
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 6195) · FFIEC NIC profile (RSSD 628356)