Sterling State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 1.59 percentage points in Q2 2026, from 83.64% to 82.05%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Sterling State Bank is 164th of 221 on return on assets, 1.03% as of Q2 2026. Sterling State Bank reported 1.03% on return on assets for Q2 2026, 0.22 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 8.54% |
| Equity capital to assets | 6.88% |
| Tangible equity to tangible assets | 6.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.06% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 254.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 15.31% |
| Net interest margin | 3.59% |
| Efficiency ratio | 72.80% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.81% |
| Core deposits to total deposits | 82.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.84% |
| Securities to assets | 27.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.77% | 12.77% | 13.98% | 6.92% | 0.00% |
| Q4 2023 | 12.52% | 12.52% | 13.70% | 6.70% | 0.01% |
| Q1 2024 | 12.41% | 12.41% | 13.58% | 6.59% | 0.20% |
| Q2 2024 | 12.42% | 12.42% | 13.57% | 7.02% | 0.30% |
| Q3 2024 | 12.30% | 12.30% | 13.44% | 6.98% | 0.31% |
| Q4 2024 | 12.26% | 12.26% | 13.39% | 6.95% | 0.33% |
| Q1 2025 | 12.25% | 12.25% | 13.36% | 7.09% | 0.58% |
| Q2 2025 | 12.34% | 12.34% | 13.45% | 7.22% | 0.52% |
| Q3 2025 | 12.66% | 12.66% | 13.78% | 7.47% | 0.75% |
| Q4 2025 | 12.36% | 12.36% | 13.53% | 8.13% | 0.61% |
| Q1 2026 | 12.52% | 12.52% | 13.69% | 8.53% | 0.93% |
| Q2 2026 | 12.80% | 12.80% | 13.98% | 8.54% | 1.03% |
Sterling State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17863) · FFIEC NIC profile (RSSD 144155)