Side-by-side · Q2 2026 data
Sterling Bank vs Legacy Bank
Metric by metric
| Measure | Sterling Bank | Legacy Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 61 (stronger) | 38 |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 85 (stronger) | 76 |
| Funding & liquidity | 77 (stronger) | 28 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 86th | 36th |
| Total assets | $1.6B | $1.3B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 11.14% (stronger) | 8.85% |
| Problem loans | 0.35% | 0.10% (stronger) |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.63% (stronger) | 1.40% |
| Loans ÷ deposits | 77.2% (stronger) | 93.7% |
| Uninsured deposits | 21.0% (stronger) | 50.1% |
| Offices | 16 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 1.4% |
Sterling Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Sterling Bank leads on 5 and Legacy Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.