Sterling Federal Bank, Federal Savings 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) climbed 3.45 percentage points in Q2 2026, from 269.91% to 273.35%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Sterling Federal Bank, Federal Savings Bank is 103rd of 323 on loan-to-deposit ratio, 83.79% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sterling Federal Bank, Federal Savings Bank sits 2.95 points higher, at 83.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $338.0M |
| Net loans and leases | $327.9M |
| Loans held for sale | $789K |
| Loans to total assets | 70.19% |
| Loan-to-deposit ratio | 83.79% |
| Net loans to equity capital | 9.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.78% |
| Multifamily (5+ residential) | 3.60% |
| Commercial and industrial | 4.12% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 4.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.35% |
| Construction concentration (Tier 1 capital + allowance) | 20.55% |
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 | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $5.3M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $321.7M | $402.1M | 45.24% | 6.37% | 0.38% |
| Q4 2023 | $334.6M | $401.5M | 46.87% | 6.48% | 0.40% |
| Q1 2024 | $347.6M | $400.6M | 49.28% | 6.69% | 0.43% |
| Q2 2024 | $359.2M | $392.0M | 50.25% | 6.54% | 0.53% |
| Q3 2024 | $377.7M | $413.1M | 51.56% | 7.05% | 0.54% |
| Q4 2024 | $367.8M | $407.4M | 53.01% | 5.96% | 0.43% |
| Q1 2025 | $365.0M | $418.6M | 52.82% | 5.55% | 0.41% |
| Q2 2025 | $361.7M | $407.9M | 52.12% | 6.20% | 0.41% |
| Q3 2025 | $360.5M | $400.2M | 52.11% | 6.13% | 0.43% |
| Q4 2025 | $357.9M | $404.5M | 53.62% | 5.55% | 0.39% |
| Q1 2026 | $350.5M | $412.0M | 54.40% | 4.31% | 0.38% |
| Q2 2026 | $338.0M | $403.4M | 54.78% | 4.12% | 0.36% |
Sterling Federal Bank, Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Federal Bank, Federal Savings 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 Federal Bank, Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27664) · FFIEC NIC profile (RSSD 867070)