BlastPoint

BlastPoint's Banking Scorecard

Sterling Bank

$100M-$1B Specialty: Commercial WI FDIC cert 6195

Barron, WI

4 branches across WI

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 110 in WI.
  • Deposits +0.1% year over year ($314.5M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.64%.
  • Efficiency ratio 55.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.24% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Sterling Bank has 3 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 11.8% in tier
  • + ROA 0.32% above tier average
  • + Efficiency Ratio 8.90% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.2% in tier
  • - Credit Risk Growth: Bottom 20.6% in tier
  • - Net Interest Margin 0.45% below tier average
Get updates when Sterling Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $352.4M
+1.0% YoY -1.0% QoQ
-$34.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $255.5M
+6.5% YoY +0.7% QoQ
-$2.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $314.5M
+0.1% YoY -1.4% QoQ
-$12.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.64%
+29.8% YoY +3.8% QoQ
+0.32% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.54%
+14.0% YoY +1.2% QoQ
-0.45% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 55.58%
-9.5% YoY -1.4% QoQ
-8.90% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.02%
-41.9% QoQ
-0.90% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 81.24%
+6.4% YoY +2.1% QoQ
+3.29% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 19.96%
-4.1% YoY +2.5% QoQ
-2.07% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.02%
-40.9% QoQ
-0.65% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 13.52%
+1.6% YoY -0.4% QoQ
-2.39% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.20%
+10.7% YoY +119.4% QoQ
-0.36% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
51%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 20.0%
-0.9pp YoY
+0.5pp QoQ
 -2.2pp 22.1% 18.9% 22.2% 45%
Brokered Deposits 0.0%
-1.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.2% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 6.1%
0.0pp YoY
+0.9pp QoQ
 -5.5pp 11.6% 10.5% 12.5% 26%
CRE 50.0%
-2.0pp YoY
-1.4pp QoQ
 +10.5pp 39.5% 46.4% 41.4% 70%
1-4 Family 32.0%
+2.1pp YoY
-0.1pp QoQ
 -0.6pp 32.6% 32.3% 31.3% 56%
Consumer 0.8%
-0.1pp YoY
0.0pp QoQ
 -3.3pp 4.1% 2.6% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 13.5%
+0.2pp YoY
-0.1pp QoQ
 -5.3pp 18.8% 15.5% 19.7% 34%
Leverage Ratio 9.4%
+0.4pp YoY
+0.2pp QoQ
 -2.8pp 12.2% 12.6% 12.6% 19%
Total Capital Ratio 14.5%
+0.2pp YoY
-0.1pp QoQ
 -5.4pp 19.9% 16.6% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 51
-3 (-5.6%) YoY
+2 (+4.1%) QoQ
 -8 58 134 482 54%
Assets per Employee ($) $6.9M
+6.9% YoY
-4.9% QoQ
 -$609K $7.5M $8.2M $8.8M 50%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 6%
Allowance Coverage 42.25x
+72.5% QoQ
 +18.10x 24.15x 56.89x 20.23x 93%
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.0% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 18.2%
+3.6pp YoY
+0.4pp QoQ
 +6.1pp 12.2% 11.8% 11.6% 82%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 43%
Net Income ($, YTD) $2.9M
+31.4% YoY
— QoQ
 +$352K $2.6M $7.9M $40.4M 69%

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
#79 of 659 • Top 11.8% in tier

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

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#54 of 1256 • Bottom 4.2% in tier

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

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#194 of 936 • Bottom 20.6% 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 | QoQ rank improving

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 (2 metrics)

400
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#400 of 2643 Top 15.1% in $100M-$1B
429
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#429 of 2633 Top 16.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026