Sterling State Bank

BankAustin, Minnesota
www.sterlingstatebank.com

Total Assets

$481.9M

Total Deposits

$360.9M

Branches

6

Established

1958

TFS Health Grade

$
D+

67.9 / 100

Below average financial health

How we grade

Sterling State Bank is a bank headquartered in Austin, Minnesota, established in 1958. With $481.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D+ (67.9/100).

Capital & Safety

Tier 1 Capital Ratio
8.13%(8%)
Total Capital Ratio
13.53%(10%)
Non-Performing Loan Ratio
0.47%

Profitability

Return on Assets (ROA)
0.64%(1%)
Return on Equity (ROE)
11.68%(10%)
Net Interest Margin
2.94%
Efficiency Ratio
84.20%(60%)

Lending & Liquidity

Total Loans
$312.9M
Loan-to-Deposit Ratio
85.68%
Net Charge-Off Ratio
-0.10%

Growth

Asset Growth (YoY)
-1.85%
Deposit Growth (YoY)
+0.57%
Net Income
$3.2M

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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