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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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.
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.
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.
|FDIC Certificate #||57813|
|Assets and Liabilities|
|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|
|Equity Capital||$37.93 million|
|Loan Loss Allowance||$3.77 million|
|Real Estate Owned||$938,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.8%|
|Return on Assets||1.01%|
|Return on Equity||11.1%|
|Interest Income||$19.61 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|