Institution Statistics
| Sterling National Bank | | FDIC Certificate # | 7220 | | BankRate Report | View | | Year Established | 1929 | | Employees | 516 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $2.46 billion | | Loans | $1.44 billion | | Deposits | $2.01 billion | | Equity Capital | $213.06 million | | Loan Loss Allowance | $20.11 million | | Unbacked Noncurrent Loans | $6.93 million | | Real Estate Owned | $1.56 million |
Historic Data - March 2011 | | Assets | $2.35 billion | | Equity Capital | $190.02 million | | Loan Loss Allowance | $18.04 million | | Unbacked Noncurrent Loans | $7.31 million | | Real Estate Owned | $132,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.02% | | Return on Assets | 0.86% | | Return on Equity | 10.12% | | Interest Income | $25.14 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Sterling National Bank had $8.5 million in non-current loans and owned real-estate with $233.17 million in equity and loan loss allowances on hand to cover it. This gives Sterling National Bank a Texas Ratio of 3.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Sterling National Bank held steady from 3.58% as of March 31, 2011 to 3.64% as of March 31, 2012, resulting in a negative change of 1.84%. This indicates that the balance sheet and financial strength for Sterling National Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Sterling National Bank has increased its total deposits by $211.28 million, resulting in 11.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sterling National Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sterling National Bank has $2.46 billion in assets with $233.17 million in equity, resulting in a capitalization level of 9.48%, which is average. |
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