Side-by-side · Q2 2026 data
Sterling Bank vs Dairy State Bank
Metric by metric
| Measure | Sterling Bank | Dairy State Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 44 | 70 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 86 (stronger) | 62 |
| Funding & liquidity | 77 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 77th |
| Total assets | $352.4M | $730.3M |
| Deposits / shares | $314.5M | $630.4M |
| Capital ratio | 9.37% | 11.96% (stronger) |
| Problem loans | 0.02% (stronger) | 0.06% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.64% (stronger) | 1.04% |
| Loans ÷ deposits | 81.2% | 62.4% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 28.8% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.3% |
Dairy State Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Sterling Bank leads on 3 and Dairy State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.