Sterling Federal Bank, Federal Savings Bank

Sterling, IL

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	0.70
Capitalization Index	5.70
Liquidity Index	2.70
Profitability Index	0.40
Stability Index	4.20

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	-7.56%
5-Year Asset Growth	1.08%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	4.03%
Non-Performing Assets to Assets	5.58%
Non-Performing Loans to Capital	47.50%
Non-Performing Loans to Loans	8.21%

Balance Sheet	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	481.61M
Total Deposits	403.41M

Capital and Reserves	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Capital	34.87M
Leverage Ratio	7.67
Loan Loss Reserves to Loans	2.99%
Risk-Based Capital Ratio	11.80

Liquidity	Sterling Federal Bank, Federal Savings Bank Sterling, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.79%
Liquidity Ratio	16.00%

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	-5.58M
Net Interest Spread	3.52%
Operating Profit to Average Assets	-3.06%
Overhead Efficiency Ratio	82.92%
Return on Assets	-2.19%
Return on Equity	-28.59%