Side-by-side · Q2 2026 data
BTC Bank vs Sterling Bank
Metric by metric
| Measure | BTC Bank | Sterling Bank |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 44 | 61 (stronger) |
| Loan quality | 76 | 88 (stronger) |
| Earnings | 56 | 85 (stronger) |
| Funding & liquidity | 54 | 77 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 21st | 86th |
| Total assets | $1.9B | $1.6B |
| Deposits / shares | $1.4B | $1.4B |
| Capital ratio | 9.35% | 11.14% (stronger) |
| Problem loans | 0.72% | 0.35% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.90% | 1.63% (stronger) |
| Loans ÷ deposits | 105.8% | 77.2% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 21.0% |
| Offices | 30 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 14.3% |
Sterling Bank has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), BTC Bank leads on 2 and Sterling Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.