Sterling Federal Bank FSB (FDIC #27664): Bank Stress & Real-Estate Credit Exposure
Sterling Federal Bank FSB (FDIC Cert #27664): bank stress 99/100, severe, STABLE over 7 days.
Sterling Federal Bank FSB (#27664) lends in 4 counties across 2 states; Sterling Federal Bank FSB (#27664) reaches 78 ZIP codes: Illinois 3 counties, 57 ZIPs; Iowa 1 county, 21 ZIPs.
Sterling Federal Bank FSB (#27664) largest markets: Ogle County, IL (54 branches, 27 ZIPs) (#27664), Lee County, IL (48 branches, 24 ZIPs) (#27664), Clinton County, IA (21 branches, 21 ZIPs) (#27664), Whiteside County, IL (60 branches, 15 ZIPs) (#27664).
Sterling Federal Bank FSB (#27664) reports $481.6 million in total assets; Sterling Federal Bank FSB (#27664) equity $34.9 million (7.2% of Sterling Federal Bank FSB (#27664) assets); Sterling Federal Bank FSB (#27664) domestic deposits $403.4 million; Sterling Federal Bank FSB (#27664) net income minus $5.6 million; Sterling Federal Bank FSB (#27664) return on assets -2.24%; Sterling Federal Bank FSB (#27664) return on equity -28.90%; Sterling Federal Bank FSB (#27664) net interest income $8.5 million; Sterling Federal Bank FSB (#27664) call report June 30, 2026.
Sterling Federal Bank FSB (#27664) noncurrent real-estate loans 1.95% of its book; Sterling Federal Bank FSB (#27664) residential 0.55%; Sterling Federal Bank FSB (#27664) net charge-offs on real estate 4.59%; Sterling Federal Bank FSB (#27664) residential charge-offs 4.72%.
Sterling Federal Bank FSB (#27664) net interest margin 3.81% against an eight-quarter Sterling Federal Bank FSB (#27664) average of 3.47% (Sterling Federal Bank FSB (#27664) compression -0.35 points); Sterling Federal Bank FSB (#27664) real-estate loans 195.4% of equity; Sterling Federal Bank FSB (#27664) non-residential real estate 472.2% of equity; Sterling Federal Bank FSB (#27664) rate-exposure score 40/100, Sterling Federal Bank FSB (#27664) fixed-rate trap 40/100; Sterling Federal Bank FSB (#27664) risk type credit driven; Sterling Federal Bank FSB (#27664) rate regime rates elevated, Sterling Federal Bank FSB (#27664) snapshot October 19, 2026.
Sterling Federal Bank FSB (#27664) stress score moved from 95.5 on June 22, 2026 to 99 on October 19, 2026; Sterling Federal Bank FSB (#27664) ranged 95.5 to 99 over 116 snapshots.
Sterling Federal Bank FSB (#27664) alerts: 4 counties; top Sterling Federal Bank FSB (#27664) alert scores: Clinton County, IL 51 (elevated); Dixon County, IL 34 (low); Mount Morris County, IL 34 (low); Sterling County, IL 34 (low).