D
Sterling State Bank
AustinMN
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Sterling State Bank
Austin, MN
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Rating D
Asset Quality Index 8.80
Capitalization Index 5.10
Liquidity Index 3.30
Profitability Index 2.30
Stability Index 2.70
Company Info Sterling State Bank
Austin, MN
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FDIC Number 17863
Phone Number (507) 433-7325
Website www.sterlingstatebank.com
Asset Quality Sterling State Bank
Austin, MN
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1-Year Asset Growth -3.93%
5-Year Asset Growth 7.84%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 0.61%
Non-Performing Loans to Loans 0.08%
Balance Sheet Sterling State Bank
Austin, MN
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Total Assets 512.94M
Total Deposits 361.29M
Capital and Reserves Sterling State Bank
Austin, MN
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Capital 25.02M
Leverage Ratio 7.10
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 13.39
Liquidity Sterling State Bank
Austin, MN
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Hot Money Ratio 16.17%
Liquidity Ratio 20.19%
Profitability Sterling State Bank
Austin, MN
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5-Year Return on Average Assets 0.44%
Net Income 864.00K
Net Interest Spread 2.71%
Operating Profit to Average Assets 0.65%
Overhead Efficiency Ratio 84.52%
Return on Assets 0.65%
Return on Equity 14.76%