Sterling Bank and Trust, FSB
Southfield, MI
IDRSSD: 979375
Total Assets
$2.30B
Latest filing
Total Deposits
$1.98B
Latest filing
Net Interest Margin
2.85%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 04/18/1984 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 48076 |
| State and County Number | 26125 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 219 |
| Domestic Offices | 27 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 32232 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.30B |
| Total Deposits | $1.98B |
| Total Liabilities | $2.01B |
| Total Equity Capital | $292.44M |
| Net Income | $-37,161,000 |
| Net Loans and Leases | $719.89M |
| Assets Per Employee ($Millions) | $10.49M |
| Bank Premises and Fixed Assets | $13.87M |
| Cash and Balances due from Depository Institutions | $1.23B |
| Deposits Held in Domestic Offices | $1.98B |
Key Performance Ratios
| Return on Assets (ROA) | -6.29% |
| Return on Equity (ROE) | -48.27% |
| Net Interest Margin | 2.85% |
| Efficiency Ratio | -76.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.724% |
| Earning Assets to total Assets | 95.89% |
Income and Expense
| Total Interest Income | $34.12M |
| Total Noninterest Income | $-44,373,000 |
| Total Interest Expense | $17.92M |
| Total Noninterest Expense | $21.52M |
| Net Interest Income | $16.19M |
| Pre-tax Net Operating Income | $-49,652,000 |
| Provision for Credit Losses | $-43,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $23.37M |
| Total Liabilities and Capital | $2.30B |
Securities
| Securities | $259.75M |
| Available-for-sale debt securities | $255.27M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sterling Bank and Trust, FSB?
$2.30B as of the latest filing.
How much are Sterling Bank and Trust, FSB's total deposits?
$1.98B in total deposits.
Where is Sterling Bank and Trust, FSB located?
Southfield, MI.
What is the Net Interest Margin?
2.85%.
How many domestic offices does it operate?
27.
When was it established?
04/18/1984.
What is the Return on Assets (ROA)?
-6.29%.
How much are total loans and leases?
$719.89M (latest filing).
What is the total interest income (latest filing)?
$34.12M.