Expect Extraordinary
Customized . Insightful . Dedicated . Sterling National Bank is a full-service commercial bank with offices in New York City , the Hudson Valley , Long Island and New Jersey focused on providing solutions to middle-market companies nationwide . |
Sterling Advantage
• Relationship-driven , single point of contact
• Comprehensive array of solutions and services
|
06 / 30 / 21 |
Sterling National Bank Capitalization Ratios
12.10 %
|
14.44 %
14.44 %
15.22 %
|
CORPORATE BANKING SOLUTIONS DELIVERED THROUGH A SINGLE POINT OF CONTACT WHO UNDERSTANDS YOUR BUSINESS
At Sterling National Bank , we meet the needs of small and mid-sized businesses by building strong relationships with our clients . Our experienced bankers are fully vested in your success . They go farther , look deeper , and work more intensely to help you achieve your business objectives .
We apply deep expertise across a range of industries to provide you with the utmost in personalized service . Each client is matched with a dedicated group of financial professionals , led by a relationship manager , who acts as a single point of contact for delivering customized solutions , as well as insights and ideas on meeting your business objectives .
Because strong relationships are the foundation of our banking philosophy , you can be confident the guidance you receive comes from extensive knowledge of your business , industry , and marketplace , as well as a genuine desire to help you succeed .
• High-performance , execution based culture
• Strong asset quality and capital ratios
Diversified Balance Sheet
Total Portfolio Loans : $ 20.7 Billion
Total Portfolio Loans : $ 20.7 Billion 7.5 % 14.1 %
52.3 % 52.3 %
7.5 %
14.1 % 26.1 % 26.1 %
Total Deposits : $ 23.1 Billion
Traditional C & I
Traditional
Commercial C Finance & I Commercial Finance Real Estate
Commercial Consumer Real Estate Consumer
Total Deposits : $ 23.1 Billion |
|
6.2 % |
20.3 % |
Interest Bearing DDA |
36.2 % |
6.2 % |
20.3 % |
Non-Interest Bearing Bearing DDA DDA
Non-Interest
Savings Bearing DDA
|
36.2 % |
|
25.8 % |
Savings
MMDA
|
|
11.5 % |
25.8 % |
MMDA
CDs
|
|
|
|
CDs |
|
11.5 % |
|
|
As of June 30 , 2021 |
0 % 4 % 8 % 12 % 16 %
Common Equity Tier 1 Tier 1 Capital Total Capital Tier 1 Leverage
• Ticker Symbol : STL ( NYSE )
• Employees : ( FTE ): 1,491
• Market Capitalization : $ 4.8B
• Total Assets : $ 29.1B
• Total Portfolio Loans : $ 20.7B
• Total Deposits : $ 23.1B
• Operating Efficiency Ratio : 44.1 %
Regulatory requirement level for “ well capitalized ”
At a Glance - 2Q2021
• Capital Ratios : In excess of regulatory minimums for “ well capitalized ”
• Bank Kroll Bond Rating on deposits and debt of A-
Ranked by Forbes ’ 2021 “ America ’ s 100 Best Banks ”
$ 50
$ 40
$ 30
$ 20
$ 10
$ 0
Provident Bank
$ 2,919MM
2011Q1 2011Q2
2011Q3 2011Q4
2012Q1
Gotham Bank of New York
$ 430MM
© 2021 Sterling National Bank
Sterling Bancorp
$ 2,751MM
2012Q2 2012Q3
2012Q4 2013Q1
2013Q2 2013Q3
2013Q4
Total Asset Growth ($ in billions ) Through Successful Organic Growth and Targeted M & A
Hudson Valley Holding Corp .
$ 3,120MM
NewStar Business Credit LLC
$ 330MM
Astoria Financial Corporation
$ 14,559MM
2014Q1 2014Q2
2014Q3 2014Q4
2015Q1 2015Q2
2015Q3 2015Q4
2016Q1 2016Q2
2016Q3
Advantage Funding
Transportation Financing & Leasing Specialists
$ 457MM
Woodforest National Bank Specialty Finance
$ 504MM
Santander Equipment Finance Portfolio
$ 843MM
2016Q4 2017Q1
2017Q2 2017Q3
2017Q4 2018Q1
2018Q2 2018Q3
2018Q4 2019Q1
2019Q2 2019Q3
2019Q4 2020Q1
2020Q2 2020Q3
On April 19 , 2021 , it was announced that Sterling National Bank is merging with Webster Bank .
2020Q4 2021Q1
2021Q2