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Sterling Federal Bank, F.S.B.
Sterling, IL · FDIC Certificate #27664 · Chartered 01/0
Total assets
$481.61M
Total deposits
$403.41M
Total equity
$34.87M
Net loans
$327.93M
Branches (offices)
9
Net income (YTD)
-$5.58M
Rank: #1,833 of 4,213 U.S. banks by assets · #107 of 322 in Illinois. Assets changed -7.6% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.24% |
| Return on equity | -28.90% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 7.24% |
| Tier 1 leverage ratio | 7.67% |
| Uninsured deposits (share of deposits) | 8.7% |
| Noncurrent loans (share of loans) | 6.26% |
| Net charge-offs (share of loans) | 4.07% |
| Loans to deposits | 81.3% |
| Real estate loans (share of loans) | 96.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $315.50M | 96.2% | |
| Commercial & industrial | $13.92M | 4.2% | |
| Consumer / individual | $1.23M | 0.4% | |
| Construction & development | $9.89M | 3.0% | |
| Agricultural | $7.37M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $468.44M | $415.58M | $685.00K | $29.73M |
| Jun 2023 | $484.45M | $396.70M | $357.00K | $31.50M |
| Jun 2024 | $523.53M | $392.00M | -$49.00K | $33.01M |
| Jun 2025 | $520.99M | $407.86M | $475.00K | $37.08M |
| Jun 2026 | $481.61M | $403.41M | -$5.58M | $34.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $368.76M | 8 |
| Iowa | $34.65M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $403.42M.
Similar-sized banks
Southwest Capital Bank ($482.92M) · F & C Bank ($481.00M)
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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