BlastPoint's Banking Scorecard

Sterling Bank

$1B-$10B Specialty: Commercial MO FDIC cert 57813

Designations: ✓ Community bank

Poplar Bluff, MO

16 branches across MO · AR · IL

884 banks in the $1B-$10B peer group nationally 29 in MO

Sterling Bank shows strong momentum with 4 strengths and 10.3% YoY asset growth

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

+ ROA 0.31% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 10.07% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.6B +10.3% YoY +3.1% QoQ	-$1.2B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$1.0B +6.3% YoY +1.2% QoQ	-$933.8M	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$1.4B +11.6% YoY +3.3% QoQ	-$956.7M	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.68% +26.3% YoY +7.0% QoQ	+0.31%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.31% +6.2% YoY -5.9% QoQ	+0.49%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	50.99% -14.1% YoY -3.8% QoQ	-10.07%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.37% -57.5% YoY +2.8% QoQ	-0.52%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	74.36% -4.8% YoY -2.0% QoQ	-9.85%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	10.78% -2.4% YoY -2.0% QoQ	-10.50%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 13.6% in tier
Nonperforming Asset Ratio ?	0.24% -59.1% YoY +1.0% QoQ	-0.43%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	16.98% -2.7% YoY +0.4% QoQ	+1.82%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 14.6% in tier
Non-Interest Income / Assets ?	0.05% -4.0% YoY -75.5% QoQ	-0.21%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 10.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

130

Tier 1 Capital Ratio

capital

Value: 16.98%

Peer Median: 15.16%

#130 of 884 Top 14.6% in $1B-$10B

152

Net Interest Margin

profitability

Value: 4.31%

Peer Median: 3.82%

#152 of 884 Top 17.1% in $1B-$10B

186

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.37%

#186 of 884 Top 20.9% in $1B-$10B

206

Loan-to-Deposit Ratio

liquidity

Value: 74.36%

Peer Median: 84.20%

#206 of 884 Top 23.2% in $1B-$10B

210

Efficiency Ratio

profitability

Value: 50.99%

Peer Median: 61.06%

#210 of 884 Top 23.6% in $1B-$10B

Top Weaknesses (2 metrics)

794

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#794 of 884 Bottom 10.3% in $1B-$10B

765

Non-Interest-Bearing Deposit Share

funding

Value: 10.78%

Peer Median: 21.29%

#765 of 884 Bottom 13.6% in $1B-$10B