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Sterling Bank
Poplar Bluff, MO · FDIC Certificate #57813 · Chartered 10/1
Total assets
$1.56B
Total deposits
$1.38B
Total equity
$175.11M
Net loans
$1.06B
Branches (offices)
16
Net income (YTD)
$12.65M
Rank: #719 of 4,213 U.S. banks by assets · #24 of 190 in Missouri. Assets changed 8.4% and deposits 9.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 14.60% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 11.20% |
| Tier 1 leverage ratio | 11.14% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 77.2% |
| Real estate loans (share of loans) | 48.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $510.60M | 48.1% | |
| Commercial & industrial | $371.96M | 35.0% | |
| Consumer / individual | $10.49M | 1.0% | |
| Construction & development | $209.95M | 19.8% | |
| Agricultural | $9.98M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.38B | $1.19B | $11.62M | $159.96M |
| Jun 2023 | $1.36B | $1.18B | $11.82M | $162.50M |
| Jun 2024 | $1.38B | $1.19B | $10.93M | $167.34M |
| Jun 2025 | $1.44B | $1.26B | $10.80M | $173.01M |
| Jun 2026 | $1.56B | $1.38B | $12.65M | $175.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.10B | 11 |
| Illinois | $164.90M | 1 |
| Arkansas | $108.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.38B.
Similar-sized banks
Cortrust Bank National Association ($1.56B) · City First Bank, National Association ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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