Side-by-side · Q2 2026 data
Sterling Federal Bank, F.S.B. vs Hoyne Savings Bank
Metric by metric
| Measure | Sterling Federal Bank, F.S.B. | Hoyne Savings Bank |
|---|---|---|
| TellerScore | 20 | 79 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 0 | 27 (stronger) |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 3 | 97 (stronger) |
| Peer percentile | 0th | 75th |
| Total assets | $481.6M | $479.9M |
| Deposits / shares | $403.4M | $346.7M |
| Capital ratio | 7.67% | 27.26% (stronger) |
| Problem loans | 6.26% | 0.34% (stronger) |
| Net charge-offs | 4.07% | 0.00% (stronger) |
| Return on assets | -2.24% | 0.18% (stronger) |
| Loans ÷ deposits | 81.3% (stronger) | 81.4% |
| Uninsured deposits | 8.7% (stronger) | 18.5% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
Hoyne Savings Bank has the higher TellerScore (79 vs 20). On the 7 directional measures above (where higher or lower is clearly better), Sterling Federal Bank, F.S.B. leads on 2 and Hoyne Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.