Side-by-side · Q2 2026 data
Star Bank vs Sterling State Bank
Metric by metric
| Measure | Star Bank | Sterling State Bank |
|---|---|---|
| TellerScore | 46 | 59 (stronger) |
| Capital cushion | 43 (stronger) | 35 |
| Loan quality | 31 | 84 (stronger) |
| Earnings | 41 | 59 (stronger) |
| Funding & liquidity | 68 (stronger) | 41 |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 5th | 17th |
| Total assets | $445.8M | $461.9M |
| Deposits / shares | $384.6M | $359.5M |
| Capital ratio | 9.29% (stronger) | 8.54% |
| Problem loans | 2.07% | 0.47% (stronger) |
| Net charge-offs | 1.78% | 0.00% (stronger) |
| Return on assets | 0.52% | 0.98% (stronger) |
| Loans ÷ deposits | 91.9% | 84.8% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 46.2% |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 10.7% |
Sterling State Bank has the higher TellerScore (59 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Star Bank leads on 2 and Sterling State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.