Sterling Bank and Trust, FSB

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LOCATIONS

60 Month Sterling Senior Club CD

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.85%	5-year CD	60 Month CD 1.55% - National Average
0.65%	1-year CD	12 Month CD 0.62% - National Average
0.40%	Savings	Statement Savings 1.30% - Synchrony Bank High Yield Savings

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Overview / Commentary

www.sterlingbank.com

866-619-2265

1 Towne Square, Suite 1900
Southfield, MI 48076

Sterling Bank and Trust, FSB is headquartered in Southfield and is the 5^th largest bank in the state of Michigan. It is also the 355^th largest bank in the nation. It was established in 1984 and as of June of 2017, it had grown to 263 employees at 25 locations. Sterling Bank and Trust, FSB's money market rates are 70% higher than the national average, and it has an A health rating.

Overall
FDIC Certificate #	32232
Year Established	1984
Employees	263
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.81%
Return on Equity - YTD	20.43%
Annual Interest Income	$56.3MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$2.42B$1.95B
Loans	Q2 2017vs Q2 2016	$2.21B$1.80B
Deposits	Q2 2017vs Q2 2016	$1.84B$1.46B
Equity Capital	Q2 2017vs Q2 2016	$207.0MM$172.2MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$16.2MM$13.6MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$560.00K$478.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$48.00K

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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.25%^†	-	-	Ambassador Club Money Market
1.05%^†	-	-	Premier Club Money Market
0.85%^†	-	-	Sterling Senior Club Money Market
0.75%^†	-	-	Personal Money Market
0.35%^†	-	-	Business Money Market

Sterling Bank and Trust, FSB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*^†	$500^*	$1m	Senior Club Sterling Eagle Checking with Direct Deposit
OTHER TIERS: 0.15% → Any amount
0.25%^*^†	$500^*	$1m	Premier Club Checking with Direct Deposit
OTHER TIERS: 0.15% → Any amount
0.25%^*^†	$500^*	$1m	Ambassador Club Checking w/ Direct Deposit
OTHER TIERS: 0.15% → Any amount
0.20%^*^†	$500^*	$1m	Sterling 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

APY	MIN	MAX	ACCOUNT NAME
1.90%^†	$500	-	60 Month Sterling Senior Club CD
1.85%^†	$500	-	60 Month CD
1.85%^†	$500	-	Business 60 Month CD
1.60%^†	$500	-	48 Month Sterling Senior Club CD
1.55%^†	$500	-	48 Month CD
1.55%^†	$500	-	Business 48 Month CD
1.55%^†	$500	-	16 Month CD
1.55%^†	$500	-	Business 16 Month CD
1.30%^†	$500	-	36 Month Sterling Senior Club CD
1.30%^†	$500	-	15 Month CD
1.30%^†	$500	-	Business 15 Month 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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Detroit Area

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