BlastPoint's Banking Scorecard
Sterling Federal Bank, F.S.B.
Community
Specialty: Commercial
IL
FDIC cert 27664
Sterling, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Sterling Federal Bank, F.S.B. faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 59% in Community
- - Return on Assets 0.98% below tier
- - Delinquency Rate 4.95% above tier
- - Nonperforming Asset Ratio 3.36% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$513.7M
-3.9% YoY
-0.2% QoQ
|
-$877.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$350.1M
-3.0% YoY
-0.9% QoQ
|
-$625.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$404.5M
-0.7% YoY
+1.1% QoQ
|
-$760.1M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.19%
+269.7% YoY
+30.0% QoQ
|
-0.98% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.56%
+9.5% YoY
+3.9% QoQ
|
-0.10% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
81.71%
-6.2% YoY
-3.1% QoQ
|
+19.08% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
5.58%
+15.6% YoY
-4.4% QoQ
|
+4.95% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.55%
-2.3% YoY
-2.0% QoQ
|
+3.49% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
17.19%
+6.2% YoY
+4.5% QoQ
|
-3.85% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
3.86%
+17.0% YoY
-4.6% QoQ
|
+3.36% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.80%
+8.4% YoY
+2.8% QoQ
|
+1.56% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.61%
+8.3% YoY
+35.0% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#90 of 152 · Bottom 59% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.71%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.58%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.86%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.80% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.55% · Tier avg: 83.06%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.19% · Tier avg: 21.05%
9
9th pctile
Efficiency Ratio
Current: 81.71% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $350.1M · Tier avg: $975.5M
4
4th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
2
2th pctile
Total Assets
Current: $513.7M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $404.5M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 5.58% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.86% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.86% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.58% · Tier avg: 0.63%
1
1th pctile
Total Deposits
Current: $404.5M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $513.7M · Tier avg: $1.4B
4
4th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
8
8th pctile
Total Loans
Current: $350.1M · Tier avg: $975.5M
9
9th pctile
Efficiency Ratio
Current: 81.71% · Tier avg: 62.63%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.19% · Tier avg: 21.05%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.55% · Tier avg: 83.06%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.80% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%