Sterling Bank

Sterling Bank is headquartered in Barron and is the 104^th largest bank in the state of Wisconsin. It is also the 3,036^th largest bank in the nation. It was established in 1885 and as of March of 2013, it had grown to 51 employees at 4 locations. Sterling Bank's savings rates are 4X the national average, and it boasts a 5-star health rating.

Sterling Bank Checking Account Rates

Sterling Bank Savings Account Rates

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Sterling Bank CD Rates

Data for Q1 2013

Institution Statistics Sterling Bank FDIC Certificate # 6195 BankRate Report View Year Established 1885 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $205.13 million Loans $130.83 million Deposits $184.16 million Equity Capital $18.23 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $193,000 Historic Data - March 2012 Assets $196.41 million Equity Capital $16.87 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $47,000 Real Estate Owned $201,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 1.76% Return on Equity 20.43% Interest Income $2.25 million

Institution Health Overall Score: 5 out of 5 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 March 31, 2013 Sterling Bank had $1.3 million in non-current loans and owned real-estate with $19.92 million in equity and loan loss allowances on hand to cover it. This gives Sterling Bank a Texas Ratio of 6.55% 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 increased slightly from 1.34% as of March 31, 2012 to 6.55% as of March 31, 2013, resulting in a negative change of 389.06%. This indicates that the balance sheet and financial strength for Sterling Bank has declined slightly in recent periods. Deposit Growth In the past year, Sterling Bank has increased its total deposits by $9.06 million, resulting in 5.17% 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 has shown is excellent. Capitalization 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 has $205.13 million in assets with $19.92 million in equity, resulting in a capitalization level of 9.71%, which is average.