Call reports 2025
STERLING BANK — 2025
What STERLING BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 354,818,000 | 348,884,000 | 348,658,000 | 353,458,000 |
| Total loans | 239,611,000 | 242,215,000 | 244,319,000 | 254,016,000 |
| Allowance for loan losses | 2,279,000 | 2,309,000 | 2,233,000 | 2,263,000 |
| Securities available for sale | 17,301,000 | 16,404,000 | 16,040,000 | 13,086,000 |
| Securities held to maturity | 78,842,000 | 76,507,000 | 76,039,000 | 72,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,640,000 | 314,330,000 | 313,457,000 | 317,972,000 |
| Interest-bearing deposits | 254,753,000 | 248,897,000 | 249,409,000 | 251,188,000 |
| Noninterest-bearing deposits | 58,887,000 | 65,433,000 | 64,048,000 | 66,784,000 |
| Equity capital | 30,400,000 | 30,946,000 | 31,592,000 | 30,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,119,000 | 8,367,000 | 12,669,000 | 17,085,000 |
| Interest expense | 1,575,000 | 3,118,000 | 4,597,000 | 6,006,000 |
| Net interest income | 2,544,000 | 5,249,000 | 8,072,000 | 11,079,000 |
| Noninterest income | 300,000 | 643,000 | 968,000 | 1,356,000 |
| Noninterest expense | 1,803,000 | 3,619,000 | 5,418,000 | 7,278,000 |
| Provision for loan losses | 30,000 | 60,000 | -16,000 | 14,000 |
| Pretax income | 1,011,000 | 2,213,000 | 3,532,000 | 5,037,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 1,010,000 | 2,212,000 | 3,530,000 | 5,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,428,000 | 31,880,000 | 32,447,000 | 31,552,000 |
| Total capital | 33,707,000 | 34,189,000 | 34,786,000 | 33,921,000 |
| Risk-weighted assets | 234,920,000 | 239,524,000 | 238,444,000 | 242,478,000 |