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1100 Sterling Drive
Poplar Bluff, MO 63901

Sterling Bank (MO) is headquartered in Poplar Bluff and is the 43rd largest bank in the state of Missouri. It is also the 1,306th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 48 employees at 4 locations. Sterling Bank (MO) has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Sterling Bank (MO) had $2.69 million in non-current loans and owned real-estate with $51.02 million in equity and loan loss allowances on hand to cover it. This gives Sterling Bank (MO) a Texas Ratio of 5.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sterling Bank (MO) experienced no significant changes from 2.25% as of December 31, 2012 to 5.28% as of December 31, 2013, resulting in a negative change of 134.59%. This indicates that the balance sheet and financial strength for Sterling Bank (MO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Sterling Bank (MO) has increased its total deposits by $83.81 million, resulting in 25.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sterling Bank (MO) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sterling Bank (MO) has $513.32 million in assets with $51.02 million in equity, resulting in a capitalization level of 9.94%, which is above average.

Institution Statistics

FDIC Certificate #57813
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$513.32 million
Loans$347.40 million
Deposits$418.73 million
Equity Capital$46.85 million
Loan Loss Allowance$4.17 million
Unbacked Noncurrent Loans$1.60 million
Real Estate Owned$1.09 million
Historic Data - December 2012
Assets$417.11 million
Equity Capital$37.93 million
Loan Loss Allowance$3.77 million
Real Estate Owned$938,000
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets1.01%
Return on Equity11.1%
Interest Income$19.61 million

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Sterling Bank (MO) Locations
Sterling Bank1100 Sterling DrivePoplar Bluff, MO 63901
Saint Louis Branch50 South Bemiston AvenueSaint Louis, MO 63105
Van Buren Branch702 Main StreetVan Buren, MO 63965