FDIC certificate 57813
Sterling Bank
Poplar Bluff, Missouri · 1100 Sterling Dr 63901
Hunter Score
This bank ranks above the middle of its size group.
Down 3 points from last quarter.
Compared with 619 banks with $1 billion to $3 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Sterling Bank has a Hunter Score of 72 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $1 billion to $3 billion in assets.
The FDIC reported net interest margin of 4.31% (field NIMY). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 81 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 0.35% (field NCLNLSR). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 62 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Construction loans are at least 100% of capitalConstruction and land development loans were $209,949,000. Total risk-based capital (FDIC field RBC) was $186,721,000. Loans were 112% of that capital. Bank supervisors have used 100% as a level that deserves a closer look. It is not a legal limit, and it is not a statement that the loans are in trouble.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Missouri with $1 billion to $3 billion in assets, ordered by Hunter Score.
- HNB National Bank91out of 100
- The Nodaway Valley Bank87out of 100
- Cass Commercial Bank84out of 100
- Wood & Huston Bank80out of 100
- Mid America Bank73out of 100
Top Hunter Scores in Missouri · Top scores with $1 billion to $3 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
14.60%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 70 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.63%
Profit for each dollar of assets. Higher is stronger.
Peer rank 76 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.31%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 81 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
52.31%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 74 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.35%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 62 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202672 out of 100
- Q1 2026, ending March 31, 202675 out of 100
- Q4 2025, ending December 31, 202574 out of 100
- Q3 2025, ending September 30, 202574 out of 100
- Q2 2025, ending June 30, 202567 out of 100
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About this bank
- Total assets
- $1.6 billion
- Deposits
- $1.4 billion
- Equity
- $175.1 million
- Tangible equity
- $174.4 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 16
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $12.6 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Sterling Bancshares Inc, Poplar Bluff, MO. Federal Reserve RSSD 3283587.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
1100 Sterling Dr, Poplar Bluff, MO 63901
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.