Sterling Federal Bank, F.S.B. is a bank based in Sterling, Illinois, established in 1885, with $501 million in total assets across 9 branches. By Trust Grade it ranks 305th of 328 banks we track in Illinois. Its capital ratio of 8.1% trails most similarly sized banks (16th percentile), versus a Illinois median of 10.3%. It posted a loss over the most recent period (-0.07% return on assets), a point to watch. No consumer complaints against Sterling Federal Bank, F.S.B. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Sterling Federal Bank, F.S.B. compares to Illinois peers
How we graded Sterling Federal Bank, F.S.B.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Unprofitable over the period (ROA -0.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Sterling Federal Bank, F.S.B. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 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
Are deposits at Sterling Federal Bank, F.S.B. insured?
Yes. Sterling Federal Bank, F.S.B. is an FDIC-insured bank (FDIC certificate #27664). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Sterling Federal Bank, F.S.B.: frequently asked questions
Is Sterling Federal Bank, F.S.B. a good bank?
Sterling Federal Bank, F.S.B. earns a Bankzia Trust Grade of B (83/100, "Strong"), based on a financial-strength score of 83/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Unprofitable over the period (ROA -0.07%).
Is Sterling Federal Bank, F.S.B. FDIC-insured?
Yes. Sterling Federal Bank, F.S.B. is a FDIC-insured bank (FDIC certificate #27664). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Sterling Federal Bank, F.S.B.?
Sterling Federal Bank, F.S.B. holds $501 million in total assets, ranking 305th of 328 banks we track in Illinois. It operates 9 branches.
Does Sterling Federal Bank, F.S.B. have CFPB complaints?
No CFPB complaints against Sterling Federal Bank, F.S.B. appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
