Sterling Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Cash (24%), comm loans (23%), comm re (8%), home mtgs (4%), securities (4%), consumer loans (1%), other (36%)
States with Branches:
AR, IL, MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Sterling Bancshares, Inc.
Investment Rating
--
Address
1100 Sterling Drive
Poplar Bluff, MO 63901
Poplar Bluff, MO 63901
Phone Number
(573) 778-3333
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.