Side-by-side · Q2 2026 data
First Midwest Bank of the Ozarks vs Sterling Bank
Metric by metric
| Measure | First Midwest Bank of the Ozarks | Sterling Bank |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 58 | 61 (stronger) |
| Loan quality | 67 | 88 (stronger) |
| Earnings | 92 (stronger) | 85 |
| Funding & liquidity | 51 | 77 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $733.2M | $1.6B |
| Deposits / shares | $646.6M | $1.4B |
| Capital ratio | 10.84% | 11.14% (stronger) |
| Problem loans | 1.00% | 0.35% (stronger) |
| Net charge-offs | 0.11% | 0.02% (stronger) |
| Return on assets | 1.81% (stronger) | 1.63% |
| Loans ÷ deposits | 96.8% | 77.2% (stronger) |
| Uninsured deposits | 26.2% | 21.0% (stronger) |
| Offices | 11 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 14.3% |
Sterling Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Midwest Bank of the Ozarks leads on 1 and Sterling Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Poplar Bluff, MO
- Van Buren, MO