Sterling Bank (MO) is headquartered in Poplar Bluff and is the 44th largest bank in the state of Missouri. It is also the 1,316st largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 55 employees at 4 locations. Sterling Bank (MO) has a A health rating.
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sterling Bank (MO) had $2.43 million in non-current loans and owned real-estate with $51.56 million in equity and loan loss allowances on hand to cover it. This gives Sterling Bank (MO) a Texas Ratio of 4.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Sterling Bank (MO) experienced no significant changes from 2.18% as of March 31, 2013 to 4.71% as of March 31, 2014, resulting in a negative change of 115.69%. This indicates that the balance sheet and financial strength for Sterling Bank (MO) has had no significant changes in recent periods.
In the past year, Sterling Bank (MO) has increased its total deposits by $76.38 million, resulting in 22.12% 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 $513.9 million in assets with $51.56 million in equity, resulting in a capitalization level of 10.03%, which is above average.
|FDIC Certificate #||57813|
|Assets and Liabilities|
|Equity Capital||$47.39 million|
|Loan Loss Allowance||$4.17 million|
|Real Estate Owned||$2.43 million|
|Historic Data - March 2013|
|Equity Capital||$39.18 million|
|Loan Loss Allowance||$3.77 million|
|Real Estate Owned||$938,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.92%|
|Return on Assets||1.26%|
|Return on Equity||13.71%|
|Interest Income||$5.50 million|
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|Sterling Bank (MO) Locations|
|Sterling Bank||1100 Sterling Drive||Poplar Bluff, MO 63901|
|Saint Louis Branch||50 South Bemiston Avenue||Saint Louis, MO 63105|
|Van Buren Branch||702 Main Street||Van Buren, MO 63965|