Sterling Bank is a state-chartered bank headquartered in Barron, Wisconsin, in business for about 141 years. At the end of Q2 2026 it reported $352.4M in total assets and $314.5M in deposits, with 4 offices.
Sterling Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 60th. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (44/100, 9.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (73 → 77), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.79% |
| Q3 2024 | 8.91% |
| Q4 2024 | 8.70% |
| Q1 2025 | 8.94% |
| Q2 2025 | 9.02% |
| Q3 2025 | 9.29% |
| Q4 2025 | 8.95% |
| Q1 2026 | 9.20% |
| Q2 2026 | 9.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $352.4M | 9.37% | 0.02% | 1.64% | 81.2% |
| Q1 2026 | 75 | $355.8M | 9.20% | 0.04% | 1.58% | 79.6% |
| Q4 2025 | 74 | $353.5M | 8.95% | 0.04% | 1.44% | 79.2% |
| Q3 2025 | 74 | $348.7M | 9.29% | 0.04% | 1.35% | 77.2% |
| Q2 2025 | 73 | $348.9M | 9.02% | 0.00% | 1.27% | 76.3% |
| Q1 2025 | 72 | $354.8M | 8.94% | 0.00% | 1.16% | 75.7% |
| Q4 2024 | 71 | $344.5M | 8.70% | 0.00% | 1.08% | 76.0% |
| Q3 2024 | 71 | $345.2M | 8.91% | 0.00% | 1.02% | 76.9% |
| Q2 2024 | 70 | $344.0M | 8.79% | 0.00% | 0.95% | 77.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waumandee State BankBank Waumandee, WI | 67 out of 100, Moderate | $345.5M | 9.4% | 0.60% | vs |
| First National Community BankBank New Richmond, WI | 71 out of 100, Strong | $345.3M | 9.4% | 0.16% | vs |
| Citizens First BankBank Viroqua, WI | 75 out of 100, Strong | $344.5M | 10.3% | 0.44% | vs |
| Shell Lake State BankBank Shell Lake, WI | 85 out of 100, Very strong | $361.8M | 12.3% | 0.03% | vs |
| Cumberland Federal Bank, FSBBank Cumberland, WI | 78 out of 100, Strong | $341.6M | 10.1% | 0.19% | vs |
| The First National Bank of BangorBank Bangor, WI | 83 out of 100, Strong | $363.7M | 31.6% | 0.95% | vs |
Deposit insurance
Is my money safe at Sterling Bank?
Yes. Sterling Bank is an FDIC-insured institution (FDIC certificate #6195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($54.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.52% (benchmark: 10%).
4 locations
Branches
Sterling Bank lists 4 offices in 4 cities. Most locations:
- Barron, WI (1)
- Chetek, WI (1)
- Luck, WI (1)
- Rice Lake, WI (1)
Identity & history
Profile
- Legal name
- Sterling Bank
- Former names
- Bank of Barron
- Type
- State-chartered bank
- FDIC certificate #
- 6195
- RSSD ID
- 628356
- Primary regulator
- FDIC
- Holding company
- Northwest Wisconsin Bcorp Inc
- Established
- May 1, 1885
- Headquarters
- 234 E La Salle Ave, Barron, WI 54812
- Website
- www.sterlingbank.ws
- Employees
- 51
Quick answers
Sterling Bank: common questions
Is Sterling Bank FDIC insured?
Yes. Sterling Bank is an FDIC-insured institution (FDIC certificate #6195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sterling Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sterling Bank ever failed?
There is no failure record for FDIC certificate #6195 in the FDIC failed bank list.
How many branches does Sterling Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Barron
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dairy State BankBank Rice Lake, WI | 80 out of 100, Strong | $730.3M | 12.0% | 0.06% | vs |
| Westconsin Credit UnionCredit union Menomonie, WI | 78 out of 100, Strong | $2.2B | 12.9% | 0.64% | vs |
| Cumberland Federal Bank, FSBBank Cumberland, WI | 78 out of 100, Strong | $341.6M | 10.1% | 0.19% | vs |
| Citizens State Bank of La CrosseBank La Crosse, WI | 76 out of 100, Strong | $648.5M | 13.4% | 1.06% | vs |
| Community Bank of CameronBank Cameron, WI | 73 out of 100, Strong | $226.9M | 9.0% | 0.53% | vs |
| Johnson BankBank Racine, WI | 73 out of 100, Strong | $7.1B | 12.3% | 0.23% | vs |