BlastPoint's Banking Scorecard
Sterling Bank
Community
Specialty: Commercial
MO
FDIC cert 57813
Poplar Bluff, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Sterling Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+7.6% YoY
+1.2% QoQ
|
+$133.2M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.0B
+7.2% YoY
+1.1% QoQ
|
+$42.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.3B
+9.2% YoY
+1.3% QoQ
|
+$178.2M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.57%
+4.4% YoY
-2.6% QoQ
|
+0.40% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.58%
+8.5% YoY
+1.1% QoQ
|
+0.92% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
53.01%
-1.9% YoY
-1.8% QoQ
|
-9.62% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.36%
-59.2% YoY
-0.5% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
75.84%
-1.8% YoY
-0.2% QoQ
|
-7.22% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
11.00%
-2.0% YoY
+1.1% QoQ
|
-10.04% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-59.5% YoY
-0.5% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
16.92%
-7.5% YoY
-1.3% QoQ
|
+6.67% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.21%
-8.5% YoY
+32.1% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
89
89th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.66%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.92% · Tier avg: 10.24%
78
78th pctile
Efficiency Ratio
Current: 53.01% · Tier avg: 62.63%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.84% · Tier avg: 83.06%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 21.05%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 21.05%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.84% · Tier avg: 83.06%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 53.01% · Tier avg: 62.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.92% · Tier avg: 10.24%
89
89th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.66%