Sterling Federal Bank, F.S.B. is a savings bank headquartered in Sterling, Illinois, in business for about 141 years. At the end of Q2 2026 it reported $481.6M in total assets and $403.4M in deposits, with 9 offices across 2 states.
Sterling Federal Bank, F.S.B. has a TellerScore of 20 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 326th. Funding & liquidity contributes the most (79/100, 81% loans-to-deposits, 9% uninsured); earnings contributes the least (0/100, -2.24%).
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 fell 7 points (27 → 20), mostly because the earnings component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 36 |
| Q3 2024 | 37 |
| Q4 2024 | 24 |
| Q1 2025 | 27 |
| Q2 2025 | 27 |
| Q3 2025 | 28 |
| Q4 2025 | 30 |
| Q1 2026 | 27 |
| Q2 2026 | 20 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.47% |
| Q3 2024 | 8.22% |
| Q4 2024 | 7.92% |
| Q1 2025 | 8.11% |
| Q2 2025 | 8.27% |
| Q3 2025 | 8.64% |
| Q4 2025 | 8.73% |
| Q1 2026 | 8.62% |
| Q2 2026 | 7.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.36% |
| Q3 2024 | 2.14% |
| Q4 2024 | 4.73% |
| Q1 2025 | 5.00% |
| Q2 2025 | 5.79% |
| Q3 2025 | 5.72% |
| Q4 2025 | 5.46% |
| Q1 2026 | 5.31% |
| Q2 2026 | 6.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.02% |
| Q3 2024 | -0.00% |
| Q4 2024 | -0.11% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.19% |
| Q1 2026 | -0.18% |
| Q2 2026 | -2.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 20 | $481.6M | 7.67% | 6.26% | -2.24% | 81.3% |
| Q1 2026 | 27 | $500.9M | 8.62% | 5.31% | -0.18% | 83.5% |
| Q4 2025 | 30 | $513.7M | 8.73% | 5.46% | 0.19% | 86.6% |
| Q3 2025 | 28 | $514.9M | 8.64% | 5.72% | 0.14% | 88.3% |
| Q2 2025 | 27 | $521.0M | 8.27% | 5.79% | 0.18% | 87.1% |
| Q1 2025 | 27 | $536.7M | 8.11% | 5.00% | 0.09% | 85.6% |
| Q4 2024 | 24 | $534.3M | 7.92% | 4.73% | -0.11% | 88.6% |
| Q3 2024 | 37 | $553.2M | 8.22% | 2.14% | -0.00% | 90.1% |
| Q2 2024 | 36 | $523.5M | 8.47% | 2.36% | -0.02% | 90.4% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hoyne Savings BankBank Chicago, IL | 79 out of 100, Strong | $479.9M | 27.3% | 0.34% | vs |
| American Eagle BankBank South Elgin, IL | 55 out of 100, Moderate | $484.7M | 8.5% | 0.04% | vs |
| Solutions BankBank Forreston, IL | 67 out of 100, Moderate | $491.6M | 8.8% | 0.49% | vs |
| First National Bank in OlneyBank Olney, IL | 64 out of 100, Moderate | $469.3M | 10.8% | 1.60% | vs |
| Casey State BankBank Casey, IL | 70 out of 100, Strong | $496.7M | 11.0% | 1.02% | vs |
| The FNB Community BankBank Vandalia, IL | 76 out of 100, Strong | $498.9M | 12.6% | 0.78% | vs |
Deposit insurance
Is my money safe at Sterling Federal Bank, F.S.B.?
Yes. Sterling Federal Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #27664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.7% of deposits ($35.0M) 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 7.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.80% (benchmark: 10%).
9 locations
Branches
Sterling Federal Bank, F.S.B. lists 9 offices in 7 cities across 2 states. Most locations:
- Dixon, IL (2)
- Sterling, IL (2)
- Byron, IL (1)
- Clinton, IA (1)
- Morrison, IL (1)
- Mount Morris, IL (1)
- Rock Falls, IL (1)
Identity & history
Profile
- Legal name
- Sterling Federal Bank, F.S.B.
- Former names
- Sterling Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27664
- RSSD ID
- 867070
- Primary regulator
- OCC
- Established
- January 1, 1885
- Headquarters
- 110 E 4th St, Sterling, IL 61081
- Website
- www.sterlingfederal.com
- Employees
- 97
Quick answers
Sterling Federal Bank, F.S.B.: common questions
Is Sterling Federal Bank, F.S.B. FDIC insured?
Yes. Sterling Federal Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #27664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sterling Federal Bank, F.S.B.'s TellerScore?
20 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sterling Federal Bank, F.S.B. ever failed?
There is no failure record for FDIC certificate #27664 in the FDIC failed bank list.
How many branches does Sterling Federal Bank, F.S.B. have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Sterling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Select Employees Credit UnionCredit union Sterling, IL | 86 out of 100, Very strong | $78.6M | 12.6% | 0.26% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| The First National Bank in AmboyBank Amboy, IL | 78 out of 100, Strong | $324.5M | 10.7% | 0.04% | vs |