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Sterling Bank
Barron, WI · FDIC Certificate #6195 · Chartered 05/0
Total assets
$352.37M
Total deposits
$314.49M
Total equity
$32.53M
Net loans
$255.49M
Branches (offices)
4
Net income (YTD)
$2.91M
Rank: #2,245 of 4,213 U.S. banks by assets · #84 of 153 in Wisconsin. Assets changed 1.0% and deposits 0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 18.25% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 9.23% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 81.2% |
| Real estate loans (share of loans) | 86.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $221.96M | 86.9% | |
| Commercial & industrial | $15.57M | 6.1% | |
| Consumer / individual | $2.00M | 0.8% | |
| Construction & development | $21.27M | 8.3% | |
| Agricultural | $5.32M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $329.79M | $302.83M | $1.96M | $25.75M |
| Jun 2023 | $346.25M | $292.06M | $1.76M | $26.63M |
| Jun 2024 | $344.04M | $297.23M | $1.63M | $28.93M |
| Jun 2025 | $348.88M | $314.33M | $2.21M | $30.95M |
| Jun 2026 | $352.37M | $314.49M | $2.91M | $32.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $314.49M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $314.49M.
Similar-sized banks
Citizens Community Bank ($352.62M) · Business Bank, The ($352.21M)
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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