FDIC Cert #17863 · Austin, Minnesota · Est. 1958

Sterling State Bank - FDIC Bank Health Profile

A community-scale look at Sterling State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$482M
Total assets
B
Health grade · Good
0.64%
Return on assets
12.4%
Tier 1 capital

Data updated July 2026

The verdict

Sterling State Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.36% Tier 1, 0.64% ROA, 84% efficiency ratio.

#1,839
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
12.36%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17863 · MN B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3115/4307
  • PHOTO-FINISH Blue Ridge Bank · SC
  • TIER1-WELL 12.4% Tier 1
  • TEXAS-CLEAN 4.2% Texas
  • ROA-THIN 0.64% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Blue Ridge Bank, SC (±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 State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Blue Ridge Bank · SC · near69/100Ion Bank · CT · near69/100Oconee State Bank · GA · near69/100Sterling State Bank · MN · t…69/100The State Exchange B… · KS ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Sterling State Bank · July 2026

Call Report read for Sterling State Bank in a high-failure state

Sterling State Bank (FDIC Cert #17863) carries a PlainBankData health grade of B at 69/100, 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 #3,115 of 4,307. Tier 1 capital prints at 12.36%, clearing the 10% well-capitalized line. The Texas Ratio is 4.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.64%. Balance-sheet scale is $482M, 1,839th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Blue Ridge Bank (SC), 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 State Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Sterling State Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Sterling State Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

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

How Sterling State Bank's 69/100 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 avg77/10069/100
Sterling State Bank's composite health score
Tier 1 Capital Ratio (12.36%) 35/40
Return on Assets (ROA) (0.64%) 14/25
Texas Ratio (4.19%) 20/20
Efficiency Ratio (84.20%) 0/15

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

Balance sheet at a glance

Total Assets

$482M

Total balance-sheet footings

Total Deposits

$361M

Customer-funded liabilities

Net Loans

$309M

Outstanding loan book

Net Income

$3M

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.) 10.96% 12.36% 13.76%
Basel III capital ratios - Sterling State Bank

Where Sterling State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sterling State Bank's score of 69/100 falls in the highlighted band.

Sterling State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% 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%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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 State Bank 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 State Bank'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 State Bank's $482M falls in the highlighted band.

Capital & credit buffers at Sterling State Bank

Tier 1 capital ratio
Well-capitalized 10%

12.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.36%
Texas Ratio
4.19%
Equity Capital
$31M

What these ratios mean →

Profitability metrics: Sterling State Bank

Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
11.68%
Efficiency Ratio
84.20%

What these mean →

Income & expense at Sterling State Bank

$22M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Sterling State Bank reports a Texas Ratio of 4.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Sterling State Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($482M here), outside Minnesota so the neighborhood is not state containment.

Ohnward Bank & Trust $482M · IA The Peoples State Bank $482M · IN Eclipse Bank, Inc. $482M · KY First Electronic Bank $482M · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sterling State Bank (FDIC Cert #17863) - 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 State Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%