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Sterling Federal Bank, F.S.B.

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

Sterling, IL

9 branches across IL · IA

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Sterling Federal Bank, F.S.B. faces 5 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

  • - Return on Assets 1.34% below tier average
  • - Delinquency Rate 3.99% above tier average
  • - Nonperforming Asset Ratio 2.76% above tier average
  • - Net Interest Margin 0.18% below tier average
  • - Efficiency Ratio 14.66% above tier average
Get updates when Sterling Federal Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $501.1M
-6.6% YoY -2.5% QoQ
+$115.0M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
72%
Total Loans ? $344.1M
-4.0% YoY -1.7% QoQ
+$88.3M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
74%
Total Deposits ? $412.0M
-1.6% YoY +1.9% QoQ
+$84.0M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
71%
Return on Assets ? -0.07%
-178.5% YoY -139.5% QoQ
-1.34% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
Bottom 3.2% in tier
Net Interest Margin ? 3.75%
+10.7% YoY +5.2% QoQ
-0.18% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
44%
Efficiency Ratio ? 79.95%
+5.2% YoY -2.2% QoQ
+14.66% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
16%
Delinquency Rate ? 4.88%
-4.2% YoY -12.6% QoQ
+3.99% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
Bottom 2.3% in tier
Loan-to-Deposit Ratio ? 83.51%
-2.5% YoY -3.5% QoQ
+6.87% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
38%
Non-Interest-Bearing Deposit Share ? 17.59%
-0.1% YoY +2.3% QoQ
-4.43% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
34%
Nonperforming Asset Ratio ? 3.40%
-1.7% YoY -12.0% QoQ
+2.76% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
Bottom 2.3% in tier
Tier 1 Capital Ratio ? 11.87%
+8.5% YoY +0.6% QoQ
-3.96% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.14%
-1.3% YoY -76.7% QoQ
-0.14% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
71%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2595
Delinquency Rate
credit_quality
Value: 4.88%
Peer Median: 0.89%
#2595 of 2654 Bottom 2.3% in $100M-$1B
2603
Nonperforming Asset Ratio
credit_quality
Value: 3.40%
Peer Median: 0.64%
#2603 of 2664 Bottom 2.3% in $100M-$1B
2580
Return on Assets
profitability
Value: -0.07%
Peer Median: 1.27%
#2580 of 2664 Bottom 3.2% in $100M-$1B
2249
Efficiency Ratio
profitability
Value: 79.95%
Peer Median: 65.29%
#2249 of 2664 Bottom 15.6% in $100M-$1B
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