Total Assets
$461.9M
Total Deposits
$359.5M
Branches
6
Established
1958
Sterling State Bank is a bank headquartered in Austin, Minnesota, established in 1958. It holds $461.9M in total assets across 6 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Sterling State Bank earns a TFS Financial Health Grade of C+ (70.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
70.2 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Sterling State BankHQ | 1419 1st Ave Sw | Austin | MN | 11 |
| Sterling State Bank | 4520 150th St W | Apple Valley | MN | 11 |
| Sterling State Bank | 16366 Kenrick Ave | Lakeville | MN | 11 |
| Sterling State Bank | 4200 Badger Hills Dr Nw | Rochester | MN | 11 |
| Sterling State Bank | 10 25th St Se | Rochester | MN | 11 |
| Sterling State Bank | 14185 Highway 13 S | Savage | MN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
70.2
Tier 1 capital ratio
8.54%
Return on assets
0.98%
Non-performing loans
0.47%
Efficiency ratio
74.23%
Asset growth (YoY)
-10.56%
Suggested direct comparisons
Minneapolis, MN
$25.5B
$446.7M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.