Sterling Bank and Trust, FSB
Our records indicate that this bank has been acquired by EverBank, National Association.
Sterling Bank and Trust, FSB is an FDIC insured institution headquartered at
1 Towne Sq, Southfield, MI 48076.
It was founded in
1984 and has approximately $2 billion in assets. Customers can open an account at one of its 26 branches.
Deposit Rates - December 08, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.10% | $1 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
1.50% | $500 | Compare |
|
12 Mo CD
|
1.90% | $500 | Compare |
|
13 Mo CD
|
4.80% | $500 | Compare |
|
18 Mo CD
|
4.15% | $500 | Compare |
|
24 Mo CD
|
3.50% | $500 | Compare |
|
36 Mo CD
|
1.20% | $500 | Compare |
|
48 Mo CD
|
1.25% | $500 | Compare |
|
60 Mo CD
|
1.40% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.15% | $0 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
VIRA
|
0.10% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.40% | $1 |
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NMLS ID: 449104 / Updated 2025-10-31Intro APR: 5.990 %
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$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 32232 |
| Date Established | 1984 |
| Assets | $ 2.43 billion |
| Loans | $ 719.90 million |
| Deposits | $ 1,982.58 million |
| Capital | $ 292.44 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 1,229.01 million |
| Interest-bearing balances | $ 1,224.25 million |
| Total securities | $ 259.76 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 719.90 million |
| Loan loss allowance | $ 20.98 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.24 million |
| All other assets | $ 71.47 million |
| Total Assets | $ 2.01 billion |
| LIABILITIES | |
| Total deposits | $ 1,982.58 million |
| Interest-bearing deposits | $ 1,947.67 million |
| Deposits held in domestic offices | $ 1,982.58 million |
| % insured (estimated)" | 77.43% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 50.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 45.95 millionn |
| Total Liabilities | $ 2.01 billion |
| Shareholders’ Equity | $ 419.25 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 34.12 million |
| Total Interest Expense | $ 17.92 million |
| Net interest income | $ 16.19 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | N.A. |
| Total non interest expense | $ 21.52 million |
| Pre-tax Net Operating Income | $ 15.13 million |
Customer Reviews for Sterling Bank and Trust, FSB
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Sterling Bank and Trust, FSB Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.10%0.44x (National Avg. - 0.23%)$1-SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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