Sterling State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sterling State Bank of Austin, MN against its peer group of 2757 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 | 1.03% | 1.25% | -0.22% | 34th below |
| ROAE | 15.31% | 12.22% | +3.09% | 67th above |
| Net Interest Margin | 3.59% | 3.95% | -0.36% | 31st below |
| Efficiency Ratio | 72.80% | 63.71% | +9.09% | 22nd bottom |
| PPNR / Avg Assets | 1.03% | — | — | 21st bottom |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 19th bottom |
| Cost of Funds | 1.43% | 1.87% | -0.44% | 73rd above |
| Net Interest Spread | 3.12% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.88% | -0.41% | 47th below |
| NPA / Total Assets | 0.31% | — | — | 51st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.17% | — | — | 47th below |
| ACL / NPLs (Coverage) | 251.08% | — | — | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.06% | 5.96% | -1.90% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.80% | 17.18% | -4.38% | 25th below |
| Tier 1 Ratio | 12.80% | 17.21% | -4.41% | 25th below |
| Total Capital Ratio | 13.98% | — | — | 26th below |
| Leverage Ratio | 8.54% | 11.75% | -3.21% | 7th bottom |
| Equity / Assets | 6.88% | 10.98% | -4.10% | 6th bottom |
| TCE / Tangible Assets | 6.88% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.81% | 80.44% | +5.37% | 38th below |
| Core Deposit Ratio | 82.05% | 86.95% | -4.90% | 21st bottom |
| Wholesale Funding Ratio | 13.13% | — | — | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.56% | — | — | 1st bottom |
| Loan Growth (Y/Y) | 3.35% | — | — | 37th below |
| Deposit Growth (Y/Y) | 5.37% | — | — | 59th above |
See Sterling State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sterling State 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Sterling State Bank peer analysis.