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 | 1,424,760,000 | 1,443,194,000 | 1,507,315,000 | 1,524,662,000 |
| Total loans | 982,850,000 | 1,059,639,000 | 1,018,914,000 | 1,032,411,000 |
| Allowance for loan losses | 12,719,000 | 13,170,000 | 11,893,000 | 14,004,000 |
| Securities available for sale | 57,666,000 | 56,002,000 | 53,859,000 | 51,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,242,174,000 | 1,258,021,000 | 1,325,512,000 | 1,342,848,000 |
| Interest-bearing deposits | 1,104,901,000 | 1,114,133,000 | 1,181,206,000 | 1,195,110,000 |
| Noninterest-bearing deposits | 137,273,000 | 143,888,000 | 144,306,000 | 147,738,000 |
| Equity capital | 171,050,000 | 173,009,000 | 170,037,000 | 171,358,000 |
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 | 22,014,000 | 46,064,000 | 71,920,000 | 97,798,000 |
| Interest expense | 8,660,000 | 17,190,000 | 26,197,000 | 35,447,000 |
| Net interest income | 13,354,000 | 28,874,000 | 45,723,000 | 62,351,000 |
| Noninterest income | 746,000 | 1,533,000 | 2,342,000 | 3,129,000 |
| Noninterest expense | 8,371,000 | 17,128,000 | 25,933,000 | 34,709,000 |
| Provision for loan losses | -46,000 | -59,000 | 458,000 | 2,320,000 |
| Pretax income | 5,719,000 | 13,229,000 | 21,552,000 | 28,331,000 |
| Income tax | 996,000 | 2,424,000 | 4,046,000 | 5,364,000 |
| Net income | 4,723,000 | 10,805,000 | 17,506,000 | 22,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,562,000 | 171,970,000 | 168,970,000 | 169,654,000 |
| Total capital | 181,720,000 | 184,901,000 | 181,008,000 | 182,209,000 |
| Risk-weighted assets | 972,045,000 | 1,034,074,000 | 986,157,000 | 1,002,885,000 |