Sterling Bancorp, Inc. is a unitary thrift holding company with $3 billion in assets. Our wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco, Los Angeles and New York City, and a loan production office in Seattle, Washington. We offer a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. We also have an operations center and a branch in Southfield, Michigan.
We are a relationship-based lender serving four very attractive geographic markets with a unique business model consisting of high touch customer relationships, a suite of niche loan products, a high concentration of core deposits, a strong credit culture, and very efficient back-office operations. We have grown our business through a long-term disciplined approach that emphasizes geographic expansion through de novo branch openings and new loan production offices, offering the same products and services that have proved successful for us since our founding.