Sterling State Bank (FDIC #17863): Bank Stress & Real-Estate Credit Exposure
Sterling State Bank (FDIC Cert #17863): bank stress 82/100, severe, STABLE over 7 days; parent STERLING FINANCIAL GROUP INC.
Sterling State Bank (#17863) lends in 4 counties across 1 state; Sterling State Bank (#17863) reaches 69 ZIP codes: Minnesota 4 counties, 69 ZIPs.
Sterling State Bank (#17863) largest markets: Dakota County, MN (44 branches, 22 ZIPs) (#17863), Olmsted County, MN (42 branches, 21 ZIPs) (#17863), Mower County, MN (19 branches, 19 ZIPs) (#17863), Scott County, MN (10 branches, 10 ZIPs) (#17863).
Sterling State Bank (#17863) reports $461.9 million in total assets; Sterling State Bank (#17863) equity $31.8 million (6.9% of Sterling State Bank (#17863) assets); Sterling State Bank (#17863) domestic deposits $359.5 million; Sterling State Bank (#17863) net income $2.3 million; Sterling State Bank (#17863) return on assets 0.98%; Sterling State Bank (#17863) return on equity 14.53%; Sterling State Bank (#17863) net interest income $7.9 million; Sterling State Bank (#17863) call report June 30, 2026.
Sterling State Bank (#17863) noncurrent real-estate loans: none reported; Sterling State Bank (#17863) net charge-offs on real estate 0.51%; Sterling State Bank (#17863) residential charge-offs 0.58%.
Sterling State Bank (#17863) net interest margin 3.54% against an eight-quarter Sterling State Bank (#17863) average of 2.86% (Sterling State Bank (#17863) compression -0.68 points); Sterling State Bank (#17863) non-residential real estate 58.0% of equity; Sterling State Bank (#17863) rate-exposure score 40/100, Sterling State Bank (#17863) fixed-rate trap 40/100; Sterling State Bank (#17863) risk type credit driven; Sterling State Bank (#17863) rate regime rates elevated, Sterling State Bank (#17863) snapshot October 19, 2026.
Sterling State Bank (#17863) stress score moved from 82 on June 22, 2026 to 81.6 on October 19, 2026; Sterling State Bank (#17863) ranged 81.6 to 82 over 116 snapshots.
Sterling State Bank (#17863) alerts: 4 counties; top Sterling State Bank (#17863) alert scores: Austin County, MN 28 (low); Rochester County, MN 28 (low); Saint Paul County, MN 28 (low); Savage County, MN 28 (low).