Bank call report · Austin, MN
Sterling State Bank Call Report
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Sterling State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 319 reported line items, schedule by schedule (942 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 144155 |
| FDIC certificate number | 17863 |
| Total assets | $461.9M |
Official Q2 2026 call report PDF (FFIEC) →
Sterling State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Sterling State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $461.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $461.9M |
| Total Liabilities and Minority Interest | RCON2948 | $430.1M |
| Total Deposits | RCON2200 | $359.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $308.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $304.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $272.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $125.8M |
| Deposits: Noninterest-bearing | RCON6631 | $87.4M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $60.7M |
| Surplus | RCON3839 | $32.7M |
| Total Equity Capital | RCON3210 | $31.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $14.1M |
| Other Liabilities, Total | RCON2930 | $9.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$8.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.4M |
| Interest-bearing Balances | RCON0071 | $7.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $7.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.6M |
| Other Assets | RCON2160 | $2.4M |
| Common Stock | RCON3230 | $300K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Sterling State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.5M |
| Net Interest Income | RIAD4074 | $7.9M |
| Total Noninterest Expense | RIAD4093 | $6.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.5M |
| Salaries and Employee Benefits | RIAD4135 | $3.8M |
| Total Interest Expense | RIAD4073 | $3.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.3M |
| Net Income (Loss) | RIAD4340 | $2.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.3M |
| Total Noninterest Income | RIAD4079 | $1.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $822K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $815K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $793K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $432K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $352K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $296K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $265K |
| Other Noninterest Income | RIADB497 | $261K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $160K |
| Interest on Other Securities | RIAD4060 | $136K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $124K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $116K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $65K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $49K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $42K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $34K |
| Other Interest Income | RIAD4518 | $17K |
| Provision for Loan and Lease Losses | RIAD4230 | -$10K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $5K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 59 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $14.6M |
| Balances Due from Federal Reserve Banks | RCON0090 | $7.1M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $5.0M |
| Currency and Coin | RCON0080 | $2.2M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $333K |
Schedule RC-B: Securities (30 items)
About Schedule RC-B · Sterling State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $33.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $31.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $3.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $3.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $639K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $576K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $134.1M |
| Pledged Securities | RCON0416 | $90.8M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $82.7M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $78.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $30.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $28.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $24.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $18.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $16.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $13.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $11.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $10.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $750K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $689K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $576K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $330K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $80K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $3K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Sterling State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $308.5M |
| Pledged Loans and Leases | RCONG378 | $158.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $117.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $101.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $92.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $78.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $74.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $44.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $42.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $31.3M |
| Commercial and Industrial Loans | RCON1766 | $29.3M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $29.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $15.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $13.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $9.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $7.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.4M |
| Unearned Income on Loans | RCON2123 | $612K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $452K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $125K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $119K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $21K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $8K |
| Other Loans | RCONJ464 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $46.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $15.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $513K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $125K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 112 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 83 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 42 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 34 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · Sterling State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $190.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $190.2M |
| Total Transaction Accounts | RCON2215 | $169.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $168.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $90.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $87.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $64.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $35.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $28.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $19.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $15.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $11.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $9.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $4.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $967K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $444K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $360K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $170K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $8.4M |
| Operating lease liabilities | RCONLB56 | $8.4M |
| Other Expenses Accrued and Unpaid | RCON3646 | $929K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $501K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $107K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Sterling State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $469.0M |
| Quarterly Average of Total Loans | RCON3360 | $307.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $227.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $104.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $84.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $83.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $64.0M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $55.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $47.5M |
| Mortgage-backed Securities | RCONB559 | $38.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $28.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $21.3M |
| All Other Securities | RCONB560 | $11.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $6.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $131K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Sterling State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $15.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $4.4M |
| Performance Standby Letters of Credit | RCON3821 | $1.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $793K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $543K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $388K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Sterling State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.5M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Sterling State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $466K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $267K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $195K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $98K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $22K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $22K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Sterling State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $469.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $360.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $217.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $140.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $39.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $256K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,755 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 207 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 97 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Sterling State Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $313.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Sterling State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $469.0M |
| Average total consolidated assets | RCOAKW03 | $469.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $313.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $43.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $40.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $40.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $40.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $33.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$8.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$8.3M |
| Retained Earnings | RCOAKW00 | $7.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1398 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.128 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.128 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0854 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0598 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · Sterling State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $313.2M |
| Total Risk-weighted Assets | RCONG641 | $313.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $275.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $275.1M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $274.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $253.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $253.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $193.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $127.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $125.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $117.3M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $66.5M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $66.5M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $66.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $47.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $42.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $42.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $42.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $24.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $21.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $21.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $21.4M |
| Total All Other Assets | RCOND981 | $16.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $16.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $15.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $12.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$11.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $9.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$8.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $8.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $8.3M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $7.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $7.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $5.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $4.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $4.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.0M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $793K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $793K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $750K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $593K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $504K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $470K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $385K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $322K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $200K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $34K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $33K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $7.8M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $31.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $31.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.4M |
| Other Comprehensive Income | RIADB511 | -$572K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Sterling State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.6M |
| Allowance for Loan and Lease Losses | RIAD3123 | $3.6M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $10K |
Schedule RI-E: Explanations (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $464K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $106K |
| Marketing and Other Professional Services | RIAD0497 | $88K |
| Telecommunications Expense | RIADF559 | $72K |
| Printing, Stationery, and Supplies | RIADC018 | $56K |
| Accounting and Auditing Expenses | RIADF556 | $50K |
| Directors' Fees | RIAD4136 | $40K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $34K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $26K |
| Safe Deposit Box Rent | RIADC015 | $26K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $15K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $12K |
| Consulting and Advisory Expense | RIADF557 | $8K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $3K |
Sterling State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Sterling State Bank call report?
The Sterling State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Sterling State Bank file?
Sterling State Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Sterling State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Sterling State Bank has Federal Reserve RSSD ID 144155 and FDIC certificate number 17863. Either one finds its filings on the FFIEC Central Data Repository.
How often does Sterling State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Sterling State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 17863) · FFIEC NIC profile (RSSD 144155)