BlastPoint's Banking Scorecard
Sterling Bank
Designations: ✓ Community bank
Poplar Bluff, MO
16 branches across MO · AR · IL
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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits +9.4% year over year ($1.4B on the books).
- Delinquency rate 0.36%.
- Return on assets 1.63%.
- Efficiency ratio 52.31% vs a 59.73% peer average.
- Loan-to-deposit ratio 77.16% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sterling Bank shows strong momentum with 4 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 7.42% below tier average
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+8.4% YoY
-0.5% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$1.1B
+1.4% YoY
+3.0% QoQ
|
-$901.7M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$1.4B
+9.4% YoY
-0.8% QoQ
|
-$943.2M |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.63%
+7.6% YoY
-3.0% QoQ
|
+0.24% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.31%
-1.3% YoY
-0.1% QoQ
|
+0.44% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
52.31%
-7.1% YoY
+2.6% QoQ
|
-7.42% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.36%
-55.2% YoY
-2.4% QoQ
|
-0.51% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
77.16%
-7.2% YoY
+3.8% QoQ
|
-7.87% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
11.45%
+0.1% YoY
+6.2% QoQ
|
-9.82% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-58.1% YoY
+1.0% QoQ
|
-0.43% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
16.81%
+1.1% YoY
-1.0% QoQ
|
+1.97% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.10%
-4.3% YoY
+102.2% QoQ
|
-0.43% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.5%
0.0pp YoY +0.7pp QoQ |
-9.9pp | 21.4% | 20.9% | 22.2% | 14% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
35.0%
+0.5pp YoY +0.1pp QoQ |
+21.0pp | 14.0% | 12.3% | 12.5% | 94% |
| CRE |
39.9%
-0.1pp YoY +0.3pp QoQ |
-10.1pp | 50.0% | 36.8% | 41.4% | 24% |
| 1-4 Family |
7.9%
+1.6pp YoY +0.4pp QoQ |
-18.6pp | 26.4% | 31.9% | 31.3% | 11% |
| Consumer |
1.0%
-0.1pp YoY 0.0pp QoQ |
-3.7pp | 4.7% | 4.1% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.8%
+0.2pp YoY -0.2pp QoQ |
+1.2pp | 15.6% | 18.5% | 19.7% | 82% |
| Leverage Ratio |
11.1%
-0.9pp YoY +0.1pp QoQ |
-0.2pp | 11.3% | 11.6% | 12.6% | 62% |
| Total Capital Ratio |
18.1%
+0.2pp YoY -0.2pp QoQ |
+1.4pp | 16.7% | 19.6% | 20.8% | 82% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
163
+8 (+5.2%) YoY +2 (+1.2%) QoQ |
-151 | 313 | 162 | 482 | 28% |
| Assets per Employee ($) |
$9.6M
+3.0% YoY -1.7% QoQ |
-$888K | $10.5M | $8.0M | $8.8M | 62% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 10 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 16% |
| Nonaccrual |
0.4%
-0.4pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 36% |
| Allowance Coverage |
3.69x
+134.3% YoY -0.6% QoQ |
-15.02x | 18.71x | 10.47x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+2.0pp YoY -0.5pp QoQ |
+2.0pp | 12.6% | 14.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
2.5%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$12.6M
+17.0% YoY — QoQ |
-$6.6M | $19.2M | $11.3M | $40.4M | 51% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.