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BankSonar

Sterling Federal Bank, F.S.B.

Sterling, IL · Savings bank

33

Sonar Score

Caution

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$501.1M
Total deposits
$412M
Branches
9
Return on assets
-0.07%
Return on equity
-0.92%
Charter type
Savings bank
Established
1885
FDIC cert #
27664

How the 33 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Operating at a loss in the latest period.

Return on equityweight 15%

Negative returns on equity this period.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Sterling Federal Bank, F.S.B.

Sterling Federal Bank, F.S.B. is an FDIC-insured institution (Cert #27664). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

9 branch locations

247 7th Ave S

Clinton, IA 52732

410 E Lincolnway

Morrison, IL 61270

821 1st Ave

Rock Falls, IL 61071

402 S Galena Ave

Dixon, IL 61021

3200 E Lynn Blvd

Sterling, IL 61081

221 N Union St

Byron, IL 61010

110 E 4th St

Sterling, IL 61081

18 W Main St

Mount Morris, IL 61054

413 N Galena Ave

Dixon, IL 61021

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