Sterling Federal Bank, F.S.B.

BankSterling, Illinois
www.sterlingfederal.com

Total Assets

$513.7M

Total Deposits

$404.5M

Branches

9

Established

1885

TFS Health Grade

$
F

56.0 / 100

Poor financial health

How we grade

Sterling Federal Bank, F.S.B. is a bank headquartered in Sterling, Illinois, established in 1885. With $513.7M in total assets and 9 branch locations, it has a TFS Financial Health Grade of F (56.0/100).

Capital & Safety

Tier 1 Capital Ratio
8.73%(8%)
Total Capital Ratio
12.99%(10%)
Non-Performing Loan Ratio
5.46%

Profitability

Return on Assets (ROA)
0.19%(1%)
Return on Equity (ROE)
2.62%(10%)
Net Interest Margin
3.56%
Efficiency Ratio
81.71%(60%)

Lending & Liquidity

Total Loans
$357.9M
Loan-to-Deposit Ratio
86.55%
Net Charge-Off Ratio
0.38%

Growth

Asset Growth (YoY)
-3.86%
Deposit Growth (YoY)
-0.72%
Net Income
$973.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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