Call reports 2025
STERLING STATE BANK — 2025
What STERLING STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 512,847,000 | 516,398,000 | 478,159,000 | 481,944,000 |
| Total loans | 299,279,000 | 298,511,000 | 299,318,000 | 312,851,000 |
| Allowance for loan losses | 3,349,000 | 3,295,000 | 3,287,000 | 3,613,000 |
| Securities available for sale | 184,699,000 | 187,884,000 | 149,116,000 | 142,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,285,000 | 341,224,000 | 350,523,000 | 360,924,000 |
| Interest-bearing deposits | 271,139,000 | 253,313,000 | 266,938,000 | 279,973,000 |
| Noninterest-bearing deposits | 90,146,000 | 87,911,000 | 83,585,000 | 80,951,000 |
| Equity capital | 24,926,000 | 27,301,000 | 30,007,000 | 31,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,483,000 | 11,071,000 | 16,732,000 | 22,077,000 |
| Interest expense | 2,167,000 | 4,431,000 | 6,640,000 | 8,297,000 |
| Net interest income | 3,316,000 | 6,640,000 | 10,092,000 | 13,780,000 |
| Noninterest income | 537,000 | 1,048,000 | 1,588,000 | 2,862,000 |
| Noninterest expense | 3,336,000 | 6,483,000 | 9,837,000 | 13,758,000 |
| Provision for loan losses | 12,000 | -43,000 | -51,000 | 275,000 |
| Pretax income | 770,000 | 1,458,000 | 2,427,000 | 3,165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 770,000 | 1,458,000 | 2,427,000 | 3,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,432,000 | 37,893,000 | 38,634,000 | 39,196,000 |
| Total capital | 40,839,000 | 41,299,000 | 42,040,000 | 42,905,000 |
| Risk-weighted assets | 305,660,000 | 307,123,000 | 305,159,000 | 317,042,000 |