Sterling Federal Bank, F.S.B.

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.sterlingfederal.com

815-626-0614

110 E 4th St
Sterling, IL 61081

Sterling Federal Bank, F.S.B. is headquartered in STERLING and is the 97^th largest bank in the state of Illinois. It is also the 1,711^th largest bank in the nation. It was established in 1885 and as of March of 2025, it had grown to 97 employees at 9 locations. Sterling Federal Bank, F.S.B. has a C health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	27664
Year Established	1885
Employees	97
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.15%
Return on Equity - YTD	-2.27%
Annual Interest Income	$6.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$537.8MM$515.4MM
Loans	Q1 2025vs Q1 2024	$360.1MM$343.7MM
Deposits	Q1 2025vs Q1 2024	$418.6MM$400.6MM
Equity Capital	Q1 2025vs Q1 2024	$37.1MM$33.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.9MM$3.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$17.1MM$7.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$142K$71K

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Sterling Federal Bank, F.S.B..

Locations

Cities: Byron, Clinton, Dixon, Morrison, Mt. Morris, Rock Falls, Sterling

Byron Branches
Byron	221 N Union St	Byron, IL 61010

Clinton Branches
Clinton Main Avenue	122 Main Avenue	Clinton, IA 52732
Clinton 7th Avenue	247 Seventh Avenue South	Clinton, IA 52732

Dixon Branches
Dixon South	402 South Galena	Dixon, IL 61021
Dixon North	413 N Galena Ave	Dixon, IL 61021

Morrison Branches
Morrison	410 Lincolnway East	Morrison, IL 61270

Mt. Morris Branches
Mount Morris	18 W Main St	Mt. Morris, IL 61054

Rock Falls Branches
Rock Falls	821 First Avenue	Rock Falls, IL 61071

Sterling Branches
Sterling	110 E 4th St	Sterling, IL 61081
Sterling East	3200 Lynn Boulevard	Sterling, IL 61081

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