Sterling Overview 3rd Quarter - 2019

Expect Extraordinary
Customized. Insightful. Dedicated.
Sterling National Bank is a full-service
commercial bank with offices in New
York City, the Hudson Valley, Long
Island and New Jersey focused on
providing solutions to middle-market
companies nationwide.
Sterling National Bank
Capitalization Ratios
Sterling Advantage
• Relationship-driven, single
12.73%
• Comprehensive array of
10.08%
• High-performance, execution
0%
based culture
Because strong relationships are the
foundation of our banking philosophy,
you can be confident the guidance
you receive comes from extensive
knowledge of your business, industry,
and marketplace, as well as a genuine
desire to help you succeed.
4%
• Strong asset quality and
Diversified Balance Sheet
Total Portfolio Loans: $20.8 Billion
12.6% 11.4%
• Ticker Symbol: STL (NYSE)
Traditional C&I • Employees: (FTE): 1,689
Commercial
Finance
Traditional C&I • Market Capitalization: $4.1B
26.0% Commercial
Estate
Commercial Real
Finance
• Total Assets: $30.1B
Consumer
Commercial Real Estate
50.0%
• Total Portfolio Loans: $20.8B
Consumer
• Total Deposits: $21.6B
• Operating Efficiency
Ratio: 39.1%
Total Deposits: $21.6 Billion
• Capital Ratios: In excess of
regulatory minimums for
“well capitalized”
Total Deposits: $21.6 Billion
14.2% 19.0%
14.2% 19.0%
34.7%
34.7%
10.9%
16%
26.0%
11.4%
50.0%
12%
Regulatory requirement
level for “well capitalized”
At a Glance - 3Q19
Total Portfolio Loans: $20.8 Billion
12.6%
8%
Common Equity Tier 1
Tier 1 Capital
Total Capital
Tier 1 Leverage
capital ratios
We apply deep expertise across a
range of industries to provide you
with the utmost in personalized service.
Each client is matched with a dedicated
group of financial professionals, led
by a relationship manager, which
acts as a single point of contact for
delivering customized solutions, as
well as insights and ideas on meeting
your business objectives.
13.88%
solutions and services
CORPORATE BANKING SOLUTIONS
DELIVERED THROUGH
A SINGLE POINT OF CONTACT
WHO UNDERSTANDS YOUR BUSINESS
At Sterling National Bank, we meet the
needs of small and mid-sized businesses
by building strong relationships with
our clients. Our experienced bankers
are fully vested in your success. They
go farther, look deeper, and work more
intensely to help you achieve your
business objectives.
12.73%
point of contact
Interest Bearing DDA
Non-Interest
Bearing
Interest Bearing
DDA DDA
• Bank Kroll Bond Rating on
deposits and debt of A-
Savings
Non-Interest Bearing DDA
21.3% MMDA
Savings
21.3% CDs
MMDA
CDs
10.9%
Ranked by Forbes’ 2019
“America’s 100 Best Banks”
As of September 30, 2019
A Culture of Performance
400
This graph represents % change in stock price.
350
264%
300
2/27/2015
Announced acquisition
of Damian Services Corp.
250
% 200
1/18/2012
Announced acquisition of
Gotham Bank of New York
150
3/31/2016
Announced acquisition of
NewStar Business Credit
4/4/2013
Announced acquisition
of Sterling Bancorp
5/7/2015
Announced acquisition of
a factoring portfolio from
First Capital Corp.
100
50
3/7/2017
Announced
acquisition of
Astoria Financial
Group
6/27/2016
Announced acquisition
of GE Capital’s eastern
US restaurant franchise
financing loan portfolio
3/6/2018
Announced
acquisition of
Advantage Funding
Management
transportation
lending business
3/1/2019
Announced
acquisition of
Woodforest
National Bank
commercial
loan and
origination
platform
0
Oct-11
Apr-12
Oct-12
Apr-13
Oct-13
Apr-14
Oct-14
Apr-15
Oct-15
11/5/2014
Announced acquisition
of Hudson Valley Holding Corp.
*7/7/2011 PBNY announced Jack Kopnisky as CEO and President of Provident New York Bancorp
© 2019 Sterling National Bank
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