Branch Network
Sterling Federal Bank, Federal Savings Bank Locations & Branches Sterling, Illinois
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Sterling Federal Bank, Federal Savings Bank operates 9 branches from its headquarters in Sterling, IL, . Its main office is at 110 E 4th St, Sterling, IL 61081.
Sterling Federal Bank, Federal Savings Bank branch network
Its 9 branches span 2 states and 7 cities. The most are in ILLINOIS (8) and IOWA (1). ILLINOIS holds 91.4% of its branch deposits. Sterling, IL has the most of its branches, 2. Its largest office by deposits is the Sterling Federal Bank, F.S.B. office in Sterling, IL, with $174.1M (43.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Sterling Federal Bank, Federal Savings Bank at a glance
Its CET1 capital ratio was 10.61% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $481.6M
- CET1 ratio, Q2 2026
- 10.61%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1885
Full financial profile · Is Sterling Federal Bank, Federal Savings Bank safe? · Sterling Federal Bank, Federal Savings Bank Q3 2026 call report, filed October 29, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Sterling, IL (2 branches) | 3 of 8 | 18.0% | $175.3M |
| State: IL (8 branches) | 136 of 379 | <0.1% | $368.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Sterling Federal Bank, Federal Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Whiteside, IL (4 branches) | 5 of 13 | 10.5% | $215.0M | $2.05B |
| Lee, IL (2 branches) | 3 of 10 | 15.0% | $126.6M | $842.9M |
| Clinton, IA (1 branch) | 7 of 7 | 2.5% | $34.7M | $1.40B |
| Ogle, IL (2 branches) | 10 of 11 | 1.9% | $27.1M | $1.43B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Sterling, IL (4 branches) | 5 of 13 | 10.5% | $215.0M | $2.05B |
| Dixon, IL (2 branches) | 3 of 10 | 15.0% | $126.6M | $842.9M |
| Clinton, IA (1 branch) | 7 of 7 | 2.5% | $34.7M | $1.40B |
| Rochelle, IL (2 branches) | 10 of 11 | 1.9% | $27.1M | $1.43B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sterling Federal Bank, F.S.B. | Sterling, IL | 61081 | $174.1M |
| 413 North Galena Avenue Branch | Dixon, IL | 61021 | $89.9M |
| South Galena Branch | Dixon, IL | 61021 | $36.7M |
| Downtown Branch | Clinton, IA | 52732 | $34.7M |
| 821 First Ave Branch | Rock Falls, IL | 61071 | $26.0M |
| Mt Morris Branch | Mount Morris, IL | 61054 | $16.3M |
| 410 Lincolnway East Branch | Morrison, IL | 61270 | $13.7M |
| 221 North Union Branch | Byron, IL | 61010 | $10.8M |
| Lynn Boulevard Limited Service Branch | Sterling, IL | 61081 | $1.2M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 27664) · FFIEC NIC profile (RSSD 867070)