Total Assets
$514M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$405M
Customer-funded liabilities
Net Loans
$350M
Outstanding loan book
Net Income
$973K
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.62%
Efficiency Ratio
81.71%
What the numbers say about Sterling Federal Bank, F.S.B.
Sterling Federal Bank, F.S.B. is an FDIC-insured institution (Certificate #27664) headquartered in Sterling, Illinois, established in 1885. It holds $514M in total assets - 1,754th of 4,313 FDIC-insured banks, $405M in customer deposits, and $350M in net loans. On safety, its Tier 1 capital ratio of 11.80% is above the 10% well-capitalized threshold, and its Texas Ratio of 40.37% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (39/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Sterling Federal Bank, F.S.B. ranks 99th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Sterling Federal Bank, F.S.B.'s health grade?▼
Sterling Federal Bank, F.S.B. receives a health grade of D (39/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Sterling Federal Bank, F.S.B.?▼
Sterling Federal Bank, F.S.B. holds $514M in total assets and $405M in deposits, ranking 1,754th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sterling, Illinois.
Is my money safe at Sterling Federal Bank, F.S.B.?▼
Yes, deposits at Sterling Federal Bank, F.S.B. (Certificate #27664) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sterling Federal Bank, F.S.B.'s Tier 1 Capital Ratio?▼
Sterling Federal Bank, F.S.B. has a Tier 1 Capital Ratio of 11.80%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Sterling Federal Bank, F.S.B.?▼
Sterling Federal Bank, F.S.B. has a Texas Ratio of 40.37%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sterling Federal Bank, F.S.B.?▼
Sterling Federal Bank, F.S.B. has an Efficiency Ratio of 81.71%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sterling Federal Bank, F.S.B.'s profile as a depositor or analyst.
- Sterling Federal Bank, F.S.B.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sterling Federal Bank, F.S.B. against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.