Sterling Federal Bank, Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sterling Federal Bank, Federal Savings Bank of Sterling, IL against its peer group of 2672 similarly-sized US banks as of Q2 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 | -4.26% | 1.35% | -5.61% | 1st bottom |
| ROAE | -56.95% | 12.08% | -69.03% | 0th bottom |
| Net Interest Margin | 3.59% | 3.90% | -0.31% | 31st below |
| Efficiency Ratio | 85.50% | 63.14% | +22.36% | 9th bottom |
| PPNR / Avg Assets | 0.59% | 1.64% | -1.05% | 10th bottom |
| Yield on Earning Assets | 5.10% | 5.65% | -0.55% | 27th below |
| Cost of Funds | 1.61% | 1.85% | -0.24% | 62nd above |
| Net Interest Spread | 3.23% | 3.35% | -0.12% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.21% | 0.92% | +7.29% | 1st bottom |
| NPA / Total Assets | 5.88% | 0.67% | +5.21% | 1st bottom |
| NCO / Avg Loans | 5.21% | 0.14% | +5.07% | 0th bottom |
| ACL / Total Loans | 2.99% | 1.28% | +1.71% | 98th top |
| ACL / NPLs (Coverage) | 36.36% | 1645.82% | -1609.46% | 5th bottom |
| Texas Ratio | 69.06% | 7.13% | +61.93% | 0th bottom |
| Provision / NCO | 133.10% | 1189.84% | -1056.74% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.61% | 20.84% | -10.23% | 6th bottom |
| Tier 1 Ratio | 10.61% | 20.87% | -10.26% | 6th bottom |
| Total Capital Ratio | 11.80% | 21.94% | -10.14% | 6th bottom |
| Leverage Ratio | 7.67% | 12.47% | -4.80% | 1st bottom |
| Equity / Assets | 7.24% | 11.67% | -4.43% | 8th bottom |
| TCE / Tangible Assets | 6.47% | 11.40% | -4.93% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.79% | 78.64% | +5.15% | 43rd below |
| Core Deposit Ratio | 91.72% | 87.09% | +4.63% | 65th above |
| Wholesale Funding Ratio | 8.31% | 5.11% | +3.20% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.56% | 6.48% | -14.04% | 3rd bottom |
| Loan Growth (Y/Y) | -6.53% | 7.64% | -14.17% | 5th bottom |
| Deposit Growth (Y/Y) | -1.09% | 6.03% | -7.12% | 18th bottom |
See Sterling Federal Bank, Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sterling Federal Bank, Federal Savings 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 Federal Bank, Federal Savings Bank profile, how to read a UBPR, or how this data updates.