BlastPoint's Banking Scorecard

Sterling Federal Bank, F.S.B.

$100M-$1B Specialty: Commercial IL FDIC cert 27664

Sterling, IL

9 branches across IL · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -1.1% year over year ($403.4M on the books).
Delinquency rate 6.45%.
Return on assets -2.24%.
Efficiency ratio 82.92% vs a 64.48% peer average.
Loan-to-deposit ratio 81.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Sterling Federal Bank, F.S.B. faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.1% in tier
- Capital Thin: Bottom 3.9% in tier
- Return on Assets 3.56% below tier average
- Delinquency Rate 5.53% above tier average
- Nonperforming Asset Ratio 3.87% above tier average
- Net Interest Margin 0.17% below tier average

Get updates when Sterling Federal Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$481.6M -7.6% YoY -3.9% QoQ	+$95.0M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	70%
Total Loans ?	$327.9M -7.7% YoY -4.6% QoQ	+$69.6M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$403.4M -1.1% YoY -2.1% QoQ	+$76.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	-2.24%	-3.56%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 0.6% in tier
Net Interest Margin ?	3.81% +14.2% YoY +2.2% QoQ	-0.17%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	82.92% +0.4% YoY +3.3% QoQ	+18.44%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 10.9% in tier
Delinquency Rate ?	6.45% +9.5% YoY +19.3% QoQ	+5.53%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 1.2% in tier
Loan-to-Deposit Ratio ?	81.29% -6.6% YoY -2.6% QoQ	+3.34%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	15.07% +1.2% YoY -14.3% QoQ	-6.96%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	4.54% +11.6% YoY +20.5% QoQ	+3.87%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 1.4% in tier
Tier 1 Capital Ratio ?	10.61% -6.9% YoY -10.4% QoQ	-5.30%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.33% +9.4% YoY +131.1% QoQ	-0.24%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	15.1% +0.2pp YoY -2.5pp QoQ	-7.1pp	22.1%	20.1%	22.2%	24%
Brokered Deposits	1.3% +0.1pp QoQ	-6.5pp	7.9%	8.0%	8.5%	23%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	4.2% -2.1pp YoY -0.1pp QoQ	-7.3pp	11.6%	14.7%	12.5%	15%
CRE	63.2% +4.7pp YoY +1.0pp QoQ	+23.7pp	39.5%	37.9%	41.4%	88%
1-4 Family	28.5% +0.1pp YoY +1.0pp QoQ	-4.2pp	32.6%	28.3%	31.3%	48%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.1%	5.4%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.6% -0.8pp YoY -1.2pp QoQ	-8.2pp	18.8%	19.9%	19.7%	6%
Leverage Ratio	7.7% -0.6pp YoY -0.9pp QoQ	-4.5pp	12.2%	12.2%	12.6%	1%
Total Capital Ratio	11.8% -0.7pp YoY -1.2pp QoQ	-8.1pp	19.9%	20.9%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	97 +2 (+2.1%) YoY -1 (-1.0%) QoQ	+38	58	228	482	86%
Assets per Employee ($)	$5.0M -9.5% YoY -2.9% QoQ	-$2.6M	$7.5M	$8.3M	$8.8M	14%
Branch Count	9 0 YoY 0 QoQ	+4	4	10	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	6.5% +0.5pp YoY +1.0pp QoQ	+5.6pp	0.9%	1.1%	1.0%	99%
Allowance Coverage	0.48x +53.5% YoY +34.3% QoQ	-23.68x	24.15x	5.62x	20.23x	9%
Net Charge-off Rate (YTD)	4.1% +3.3pp YoY +1.2pp QoQ	+3.9pp	0.1%	0.1%	0.2%	100%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	-28.9% -31.6pp YoY -26.6pp QoQ	-41.1pp	12.2%	10.5%	11.6%	0%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	49%
Net Income ($, YTD)	$-5577000.0 -1274.1% YoY — QoQ	-$8.1M	$2.6M	$11.7M	$40.4M	0%

Get Full Access to Sterling Federal Bank, F.S.B.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#5 of 361 • Bottom 1.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.92%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk

#27 of 661 • Bottom 3.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.61%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

620

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#620 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (6 metrics)

2627

Return on Assets

profitability

Value: -2.24%

Peer Median: 1.32%

#2627 of 2643 Bottom 0.6% in $100M-$1B

2603

Delinquency Rate

credit_quality

Value: 6.45%

Peer Median: 0.92%

#2603 of 2633 Bottom 1.2% in $100M-$1B

2608

Nonperforming Asset Ratio

credit_quality

Value: 4.54%

Peer Median: 0.67%

#2608 of 2643 Bottom 1.4% in $100M-$1B

2355

Efficiency Ratio

profitability

Value: 82.92%

Peer Median: 64.48%

#2355 of 2643 Bottom 10.9% in $100M-$1B

2158

Tier 1 Capital Ratio

capital

Value: 10.61%

Peer Median: 15.91%

#2158 of 2643 Bottom 18.4% in $100M-$1B

1990

Non-Interest-Bearing Deposit Share

funding

Value: 15.07%

Peer Median: 22.03%

#1990 of 2643 Bottom 24.7% in $100M-$1B