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Overview / Commentary
866-619-2265
1 Towne Square, Suite 1900
Southfield, MI 48076

Sterling Bank and Trust, FSB is headquartered in Southfield and is the 4th largest bank in the state of Michigan. It is also the 312th largest bank in the nation. It was established in 1984 and as of December of 2017, it had grown to 308 employees at 25 locations. Sterling Bank and Trust, FSB's money market rates are 82% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #32232
Year Established1984
Employees308
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD19.02%
Annual Interest Income$124.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.96B$2.16B
LoansQ4 2017vs Q4 2016$2.71B$1.99B
DepositsQ4 2017vs Q4 2016$2.37B$1.65B
Equity CapitalQ4 2017vs Q4 2016$241.3MM$192.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$18.5MM$14.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$708.00K$410.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Sterling Bank and Trust, FSB Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--Sterling Senior Club Statement Savings - Relationship
0.40%--Statement Savings
0.40%--IRA Savings
0.40%--Business Statement Savings

Sterling Bank and Trust, FSB Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%--Ambassador Club Money Market
1.10%--Premier Club Money Market
0.90%--Sterling Senior Club Money Market
0.80%--Personal Money Market
0.35%--Business Money Market

Sterling Bank and Trust, FSB Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$500*$1mSenior Club Sterling Eagle Checking with Direct Deposit
OTHER TIERS: 0.15% Any amount
0.25%*$500*$1mPremier Club Checking with Direct Deposit
OTHER TIERS: 0.15% Any amount
0.25%*$500*$1mAmbassador Club Checking w/ Direct Deposit
OTHER TIERS: 0.15% Any amount
0.20%*$500*$1mSterling Eagle Checking with Direct Deposit
OTHER TIERS: 0.10% Any amount
0.10%--Sterling Eagle Checking without Direct Deposit

Sterling Bank and Trust, FSB CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.89%$500-60 Month Sterling Senior Club CD
1.84%$500-60 Month CD
1.84%$500-Business 60 Month CD
1.59%$500-48 Month Sterling Senior Club CD
1.54%$500-48 Month CD
1.54%$500-Business 48 Month CD
1.54%$500-16 Month CD
1.54%$500-Business 16 Month CD
1.29%$500-36 Month Sterling Senior Club CD
1.25%$500-36 Month CD
1.25%$500-Business 36 Month CD
0.95%$500-24 Month Sterling Senior Club CD
0.90%$500-24 Month CD
0.90%$500-Business 24 Month CD
0.85%$500-18 Month Sterling Senior Club CD
0.80%$500-18 Month CD
0.80%$500-Business 18 Month CD
0.70%$500-12 Month Sterling Senior Club CD
0.65%$500-12 Month CD
0.65%$500-Business 12 Month CD
0.45%$500-6 Month Sterling Senior Club CD
0.40%$500-6 Month CD
0.40%$500-Business 6 Month CD
0.25%$500-3 Month Sterling Senior Club CD
0.20%$500-3 Month CD
0.20%$500-Business 3 Month CD
0.10%$500-1 Month Sterling Senior Club CD
0.05%$500-1 Month CD
0.05%$500-Business 1 Month CD
Locations

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