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The First National Bank of Sterling City

$100M-$1B Specialty: Agricultural TX FDIC cert 5538

Sterling City, TX

3 branches across TX

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 219 in TX.
  • Deposits +3.8% year over year ($218.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.67%.
  • Efficiency ratio 44.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 20.57% 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 219 in TX
View $100M-$1B leaderboard (TX) →

The First National Bank of Sterling City has 4 strengths but faces 3 concerns

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

  • + Credit Quality Leader: Top 24.7% in tier
  • + Efficiency Ratio 20.40% below tier average
  • + Non-Interest-Bearing Deposit Share 14.63% above tier average
  • + ROA 0.35% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.6% in tier
  • - Credit Risk Growth: Bottom 3.3% in tier
  • - Net Interest Margin 1.04% below tier average
Get updates when The First National Bank of Sterling City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $240.1M
+6.3% YoY -7.3% QoQ
-$146.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $44.9M
+3.1% YoY +6.7% QoQ
-$213.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 2.1% in tier
Total Deposits ? $218.4M
+3.8% YoY -7.9% QoQ
-$108.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.67%
+16.7% YoY -0.5% QoQ
+0.35% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 2.95%
+4.8% YoY +0.8% QoQ
-1.04% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 8.5% in tier
Efficiency Ratio ? 44.08%
-10.9% YoY +1.5% QoQ
-20.40% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 7.7% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 12.3% in tier
Loan-to-Deposit Ratio ? 20.57%
-0.7% YoY +15.8% QoQ
-57.39% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 0.9% in tier
Non-Interest-Bearing Deposit Share ? 36.66%
-12.6% YoY -8.0% QoQ
+14.63% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 7.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 10.8% in tier
Tier 1 Capital Ratio ? 39.60%
+7.7% YoY +4.0% QoQ
+23.69% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 1.9% in tier
Non-Interest Income / Assets ? 0.09%
-18.7% YoY +112.9% QoQ
-0.48% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
15%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 36.7%
-5.3pp YoY
-3.2pp QoQ
 +14.5pp 22.1% 29.2% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 18.9%
+3.1pp YoY
+2.3pp QoQ
 +7.3pp 11.6% 14.8% 12.5% 86%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 35.2%
+6.2pp YoY
-1.9pp QoQ
 +2.5pp 32.6% 25.8% 31.3% 62%
Consumer 10.1%
-0.4pp YoY
-0.8pp QoQ
 +6.0pp 4.1% 4.7% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 39.6%
+2.8pp YoY
+1.5pp QoQ
 +20.8pp 18.8% 22.7% 19.7% 97%
Leverage Ratio 11.6%
+0.2pp YoY
+0.7pp QoQ
 -0.6pp 12.2% 12.6% 12.6% 60%
Total Capital Ratio 40.3%
+2.8pp YoY
+1.6pp QoQ
 +20.3pp 19.9% 23.8% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 20
-1 (-4.8%) YoY
0 QoQ
 -39 58 186 482 11%
Assets per Employee ($) $12.0M
+11.6% YoY
-7.3% QoQ
 +$4.5M $7.5M $10.1M $8.8M 93%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 1.0% 1.0% 0%
Allowance Coverage 497.00x +472.85x 24.15x 18.82x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 19.2%
-4.4pp YoY
-0.4pp QoQ
 +7.0pp 12.2% 13.2% 11.6% 86%
Cost of Funds (YTD) 0.8%
0.0pp YoY
+0.1pp QoQ
 -1.0pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $2.1M
+28.0% YoY
— QoQ
 -$480K $2.6M $15.9M $40.4M 54%

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 (1)

Credit Quality Leader

growth
#164 of 659 • Top 24.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#8 of 1256 • Bottom 0.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#32 of 936 • Bottom 3.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

24
Loan-to-Deposit Ratio
liquidity
Value: 20.57%
Peer Median: 77.95%
#24 of 2643 Top 0.9% in $100M-$1B
52
Tier 1 Capital Ratio
capital
Value: 39.60%
Peer Median: 15.91%
#52 of 2643 Top 1.9% in $100M-$1B
203
Non-Interest-Bearing Deposit Share
funding
Value: 36.66%
Peer Median: 22.03%
#203 of 2643 Top 7.6% in $100M-$1B
205
Efficiency Ratio
profitability
Value: 44.08%
Peer Median: 64.48%
#205 of 2643 Top 7.7% in $100M-$1B
287
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#287 of 2643 Top 10.8% in $100M-$1B
325
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#325 of 2633 Top 12.3% in $100M-$1B

Top Weaknesses (3 metrics)

2588
Total Loans
size
Value: $44.91M
Peer Median: $258.35M
#2588 of 2643 Bottom 2.1% in $100M-$1B
2420
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.99%
#2420 of 2643 Bottom 8.5% in $100M-$1B
2237
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2237 of 2643 Bottom 15.4% in $100M-$1B
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