Sterling Federal Bank, Federal Savings Bank

Sterling, IL

Rating Date

April 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
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Weiss Ratings	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	1.30
Capitalization Index	6.30
Liquidity Index	3.10
Profitability Index	1.90
Stability Index	4.00

Company Info	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	27664
Phone Number	(815) 626-0614
Website	www.sterlingfederal.com

Asset Quality	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	4.76%
5-Year Asset Growth	3.70%
5-Year Charge-Offs to Average Loans	0.07%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	3.61%
Non-Performing Loans to Capital	35.91%
Non-Performing Loans to Loans	5.47%

Balance Sheet	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	535.82M
Total Deposits	407.42M

Capital and Reserves	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Capital	35.48M
Leverage Ratio	8.30
Loan Loss Reserves to Loans	1.31%
Risk-Based Capital Ratio	12.59

Liquidity	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.46%
Liquidity Ratio	20.52%

Profitability	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.20%
Net Income	927.00K
Net Interest Spread	3.19%
Operating Profit to Average Assets	0.23%
Overhead Efficiency Ratio	87.07%
Return on Assets	0.18%
Return on Equity	2.69%