# STERLING BANK
POPLAR BLUFF, MO · FDIC certificate 57813 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.56B | |
| Deposits | $1.38B | |
| Loans and leases | $1.08B | |
| Total equity | $175.1M | |
| Loans / deposits | 77.16% (p27 of band) | 87.10% |
| Liquid assets / assets | 26.59% (p68 of band) | |
| Uninsured deposits / deposits | 20.96% (p20 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.14% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -0.99% (p88 of band) | -7.75% |
| AOCI / equity | -0.25% (p54 of band) | |
| ROA (annualized) | 1.63% (p76 of band) | 1.26% |
| Net interest margin | 4.31% (p81 of band) | 3.70% |
| Efficiency ratio | 52.31% (p30 of band) | |
| Noncurrent loans | 0.35% (p37 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 369.09% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 119.89% (p94 of band) | |
| Auto loans | $6.1M (0.57% of loans; DQ 1.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 163 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | wholesale funding >15%, construction >100% equity | liquid assets <10% |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | brokered >10% | loans exceed deposits |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 | capital falling | wholesale funding >15%, brokered >10% |
| 2016-09 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | capital falling |
| 2017-06 | 3 |  | uninsured deposits leaving |
| 2017-09 | 5 | deposits shrinking, assets shrinking |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 3 |  | deposits shrinking, assets shrinking |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 3 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | capital falling | brokered >10% |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-23 [Sterling Bank scales back Clayton redevelopment from 25-story tower to 4-story building - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZm1iV3oteG1SNXJEZ0RkaVVqMlVxbTU2NWVKZjZTeUdRd1hISFdLN1ctTjU4akdsVnF6emt0OEMyNk1Ddm5OakdobFctUFUwT0hHM3lnUEswQ1oyV1ZwMTd5TzVLM1FFd3ZRWFpSZDhieDMySTFfYkR0ZTNVb2ZubWdqUEliZnlWUGxoaFFZVFZEbHA1R25LQXN1b2ZUdG1DZ3M4Sw?oc=5) · The Business Journals
- 2025-12-04 [Sterling Bank Expands to Central Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUTllbHRxbUxma19GRDlsckJPWTRBN3l6SXZobzB4ZjA5X19CcFV1V01LZk9HaGtFd0hBMXdON2p2MjFDNUZtVXlXdjNTaFl5OUZWQl9UUUVob1VFQ2w3LTRHNjlEeE0xa2k1aVlRSzA3OU5zQTV5MzRGQUppVFoyWk0zSGh6dHdBNkJF?oc=5) · Arkansas Business
- 2022-01-15 [Missouri bank breaks ground on second NWA location - Talk Business & Politics](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTjd3WTVwRmRJUHNiV3hPNExuUFM3WkNnNjFJUGpCdFlNUTlZeDl5SzM3bndkUl9manhpX2xMSHpNR3pSWElJcEFUeVRhZVh5cWJWTEtuSk1USHRFdWdKd01CRlN3MnM2SkYwQ2MzaTdtd205Q1pLUDRBY1JyRTAwZlVZeDIyeDdSTU94OQ?oc=5) · Talk Business &amp; Politics
- 2022-07-07 [Missouri-based Sterling Bank Opens First Branch in Arkansas - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMifEFVX3lxTE9QTzZPWkl4OEpPaXFtVnl2RHlXU1hwWTBLa2E5alkxNFFpd3d2alhjcmtwOWx6VkZDVzhKTWtFTGdONkZkR2xkYVdHNlBhcHB6VlFiTU53TTBSWnQ1NFdFemItV05SVkgzUExNOGgzaDUzUFktd0tHSkFjRmw?oc=5) · Arkansas Money &amp; Politics
- 2025-03-14 [Troubled Sterling Bank's $261M sale nears close - Crain's Detroit](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN2JGWGZNeEZHTVV6NkFmTUlDN3ZvZXZPd25ScEdLYjZQWWUwV2xmOUZ6cnBsd3NnR041OGhXOHBnbmYxM3JNZXBQZmNTMnllQ0VOUjdwYl9nOTN2V0pwQTNOaTcyNWpzc1RYZElYVndNYjJtMVlENnh2TjFzdndybFdxWjJmUmpFQmp1NWJ6eU9PcGZOVFBV?oc=5) · Crain's Detroit
- 2024-10-15 [Banks in Southeast Missouri compete to raise food and money - KFVS12](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMUpSZFc3WDN3aHhUV3hza1RpUkp3ZWVsMzRJQzY5dXNNX3ZNajFzc3JOZnVaTmM1aWVPRC0yQi1KM18zR0R2SERfS2M2ZllTS1dkWG4yUUpHQkpMTy1kdXJIQkVZWHNUbVEycFZLQVA0WTV6VzFIWUVRUWpQUXJ6RjMzVkZoZTVjSXduUtIBoAFBVV95cUxQQlg2UElPWTJ5blM1N202dnZuQXpXSGZEM2NTaTJmbVduSG5EczRvWWlNVHNtOWUtM0xYU29tNVljazhLcGFLVlV2bE9oSzJQOHVyNjBmRGhweVV3bE5KaG5TZDYyLV9WTmF3dUpMejRxUkF6c1BtNy1pVzFGS1FhUWdjcl9UOXY5dnRSQS1nQUFWTmhwcnAyUHhabklGZ3lx?oc=5) · KFVS12
- 2013-04-04 [Built to Last: Sterling Bank - Ladue News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxObHA1TUFRMDRQQ0xHQ3oxVExTdW5zRUE5M2dxRzJuVTZsYjNtRlA5RmNqM29PLVBCcUhHUFpKN0kySTVUTUNJNkFkR1h5emdZVEIzOG9vX1czNldpd3pURjd0cTlBWmx6cXhlbDluUndJM0pINUMyQmpNZ3c1TnRzY0RmcEZvVjZ6WEZ2WjlhZE1abGEybHc4UEtPTjV6UzZsQ0ZZWnhpbWVzU3o2NHhINFhlWHZLNEJnOV96eXFPSzA?oc=5) · Ladue News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57813 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "57813", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide