FDIC Cert #27664 · Sterling, Illinois · Est. 1885

Sterling Federal Bank, F.S.B. - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$514M
Total assets
D
Health grade · Weak
0.19%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

Sterling Federal Bank, F.S.B. earns a PlainBankData health grade of D (39/100), with well-capitalized at 11.80% Tier 1, 0.19% ROA, 82% efficiency ratio.

#1,754
largest of 4,313 FDIC banks by assets
59th
percentile by asset size, nationally
11.80%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 27664 · IL D · 39/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (39/100)
  • BOTTOM-DECILE #4240/4307
  • PHOTO-FINISH Flagstar Bank, Natio… · NY
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-HEALTHY 40.4% Texas
  • ROA-THIN 0.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Flagstar Bank, National Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Sterling Federal Bank, F.S.B.

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens First Bank · IA · n…39/100Flagstar Bank, Natio… · NY ·…39/100Modern Bank, Nationa… · NY ·…39/100Outdoor Bank · KS · near39/100Sterling Federal Ban… · IL ·…39/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Sterling Federal Bank, F.S.B. · July 2026

Call Report read for Sterling Federal Bank, F.S.B. in a high-failure state

Sterling Federal Bank, F.S.B. (FDIC Cert #27664) carries a PlainBankData health grade of D at 39/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,240 of 4,307. Tier 1 capital prints at 11.80%, clearing the 10% well-capitalized line. The Texas Ratio is 40.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.19%. Balance-sheet scale is $514M, 1,754th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Flagstar Bank, National Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Sterling Federal Bank, F.S.B.

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Sterling Federal Bank, F.S.B. sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Sterling Federal Bank, F.S.B.'s current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Sterling Federal Bank, F.S.B.'s 39/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10039/100
Sterling Federal Bank, F.S.B.'s composite health score
Tier 1 Capital Ratio (11.80%) 28/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (40.37%) 4/20
Efficiency Ratio (81.71%) 0/15

39 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$514M

Total balance-sheet footings

Total Deposits

$405M

Customer-funded liabilities

Net Loans

$350M

Outstanding loan book

Net Income

$973K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.4% 11.8% 13.2%
Basel III capital ratios - Sterling Federal Bank, F.S.B.

Where Sterling Federal Bank, F.S.B. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sterling Federal Bank, F.S.B.'s score of 39/100 falls in the highlighted band.

Sterling Federal Bank, F.S.B.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

39 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Sterling Federal Bank, F.S.B. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Sterling Federal Bank, F.S.B.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sterling Federal Bank, F.S.B.'s $514M falls in the highlighted band.

Capital & credit buffers at Sterling Federal Bank, F.S.B.

Tier 1 capital ratio
Well-capitalized 10%

11.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.80%
Texas Ratio
40.37%
Equity Capital
$41M

What these ratios mean →

Profitability metrics: Sterling Federal Bank, F.S.B.

Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.62%
Efficiency Ratio
81.71%

What these mean →

Income & expense at Sterling Federal Bank, F.S.B.

$26M
Interest Income
$3M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Sterling Federal Bank, F.S.B. reports a Texas Ratio of 40.37% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

40.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Sterling Federal Bank, F.S.B.

Sterling Federal Bank, F.S.B.'s grade of D reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Sterling Federal Bank, F.S.B. up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Sterling Federal Bank, F.S.B. on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($514M here), outside Illinois so the neighborhood is not state containment.

First Citizens State Bank $513M · WI Southwest National Bank $513M · KS First State Bank $513M · GA Select Bank $513M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sterling Federal Bank, F.S.B. (FDIC Cert #27664) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Sterling Federal Bank, F.S.B. Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%