# STERLING BANK
BARRON, WI · FDIC certificate 6195 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $352.4M | |
| Deposits | $314.5M | |
| Loans and leases | $257.8M | |
| Total equity | $32.5M | |
| Loans / deposits | 81.24% (p48 of band) | 82.04% |
| Liquid assets / assets | 26.01% (p53 of band) | |
| Uninsured deposits / deposits | 17.46% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.93% (p34 of band) | |
| FHLB advances / assets | 0.77% | |
| Tier 1 leverage | 9.37% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -13.31% (p35 of band) | -8.10% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.64% (p72 of band) | 1.28% |
| Net interest margin | 3.54% (p30 of band) | 3.91% |
| Efficiency ratio | 55.58% (p32 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 4225.45% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 65.40% (p68 of band) | |
| Auto loans | $426,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 51 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2016-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 | construction >100% equity | capital falling |
| 2022-06 | 1 | securities losses >30% of equity | construction >100% equity |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 3 | capital falling | uninsured deposits leaving |
| 2023-12 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | securities losses >30% of equity | construction >100% equity |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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
- 2025-06-11 [Loan officer joins Sterling Bank - Barron News-Shield](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWWw5RG1mN3lYUmxzbzFYZE1ma0JqSWR3NHhiVlVWcUdmYXd3S1NwNElrV3BaanZXaFFyNHR2TGdrZDJIcjRwLW50ZFdiWXlGUkRLMG9KdWh3clpraVZwSXJpWkJTYV9IeExGcHJjSTFKTW9ZdWtadVZ6ck9lcHhoSjc4Z3pwV3lsblEtQW1VZ0RVMkhvWmNZ?oc=5) · Barron News-Shield
- 2024-06-11 [Schofield joins Sterling Bank's Board of Directors - apg-wi.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNWHhzLXF1S2VxdV9WanY4WG1LVV9uRS1vVUdhY2NZVGlFemZRd1ZTcWRVU0ZmR0I2bjh1SHdVb1FrMEVCUWY1UWthbXc5elh0ZU43TVRrZmM2UlJSS2NCcndxUkNzdTYwZFhqV2tIcHZ1RURWZWFUMDRLZzJfOWlkOFlfT09fcm5BSm1UTGlrTkpjSmgyelBGX0taMzk2cWVsWV93VGhTQTZnTXByZm9neXBUYUVlRWRkWE0xTnJjemYySUhpODlLdGxRYVk1by1IRjhySFNqQzJfMndyQzRPemtn?oc=5) · apg-wi.com
- 2025-12-11 [Sterling Federal Bank announces President/CEO Ahlers to retire, Mays will step into role - Shaw Local](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNY20xajVBdGdFbmdkbWdmNDhiREltT0pLTnEyTmg1ZFg0ZmItVnhVY0Y3ZFZrZkZUV0o1Tlp0UW1xdXBJekIxMnVzbWpDd3J6OEtnai10bzJXcFZUNEkwa1hrbGJJbWtNc3pjSWxSS3ZRSnJQT3U1SHd1SmhVSU1hTWdyTEJHVGFxeWhQT2RKektQaDhESFcyY1RFRWhJajUxS3luOUVSSVM3LTZnTnJXMURqQXFWY3F1WHhFSWV0UDN3UElxMUtvSXRldDh6Q21QX3c?oc=5) · Shaw Local
- 2026-04-06 [NDPC Investigates Remita, Sterling Bank Over Alleged Data Breach - Security Boulevard](https://news.google.com/rss/articles/CBMipAFBVV95cUxQLS0zUk5sWUFqU2JJZVdmSTY2bXZQME5RTmJHRHlEcjdRRmRxUlRRbmNZd3VVejA3RGxod1JGZ0Jwc21hNEM2aU5MelUtaGczaWVBMVZROVN2amNhY3cyMjIzMy0wRTM3Y2FyblRJaDlGWi1CVGpvTWNTSkxGODc2TnY0dVByVXZncTRwMWtxUGJIX2dWVGhleFRqbFRSQXpXVWlRVA?oc=5) · Security Boulevard
- 2023-04-11 [Fundraising, funeral information for 2 officers killed in Barron County - WEAU](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZk04Z3RoVWNobktaRlluYXlUR21ZQW9rY0lrRy1DV0hkWHNWSlVOOW5rRGpSOUlzOUxKQ20zRHA4Zlllek5FRDVmTzZ2REo4SVU1WmVYbkFSWEx3OHhVYm11NzRtNUE1elIyNjBuSEp0UjhwYXdaMzF1V0ZMWWhnbjJSZ0EtYnVCbER1SmRWbEJmdVdE?oc=5) · WEAU
- 2017-05-08 [First Citizens buys $1B bank in FDIC-assisted deal - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWUh1NEJLeTNrLWdfRWlpenZqUlM4TVdPMUtvYjBxQzNOYkRBaUg0X0dPZVZMZVFwSm9aVWlUVXIzM0V0VHBlbjcwS0JFWEdHQjNlLUVJY296ZlZ5OXJsVHFNMTNtbkY5SkJ0c0hUV3lHdk1ncms5RE0wUW55SzlSWVNXa090NFVNZHRwdE44WUVRSXVQam9RTFpsdC02R1M1VGNPVk1MUmdfblRM?oc=5) · The Business Journals
- 2023-04-11 [Funeral held for 2 officers shot, killed during traffic stop in Barron County - TMJ4 News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOcWtVTHZITlFfQnR4bDUyS1NXY2pTWmlfWlY3Uy16UEQtQnUtOUdqeldZVFFtdGo3VThVV2dwMWNua2RPTy1WMGpxTFd2SUk4dDlEamFqa1MtWjhuX3cta1VuMVVoeDFuV3F0Q19VTzh1cXFhdm90RDlaU2NjZ1A0ekZzNDl5dFNZbGNpU3BwWHdIUUxfWDllTVZCQnV1VW5jVndRUmZUN01PWUNNOXUwZnJB?oc=5) · TMJ4 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6195 (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/51.json (key "6195", 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.

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