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Sterling Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

Sterling Bancorp, Inc. (NASDAQ: SBT) was a unitary thrift holding company headquartered in Southfield, Michigan. The company operated Sterling Bank and Trust, F.S.B., providing community banking services including ret...

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What's in This Report
Sterling Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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1/ 10Challenged

Cyborg Score thesis

Dissolved entity; no longer a viable investment—focus is on orderly wind-down and shareholder liquidation...

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Industry Community banking and thrift institutions
3 named competitors
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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Sterling Bancorp, Inc. Overview

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Sterling Bancorp, Inc. (NASDAQ: SBT) was a unitary thrift holding company headquartered in Southfield, Michigan. The company operated Sterling Bank and Trust, F.S.B., providing community banking services including retail deposits, mortgage lending, commercial and industrial loans, and business banking. However, the company is no longer operationally active.

Strategic Profile

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Sterling Bancorp ceased operations following its sale to EverBank Financial Corp. The bank subsidiary was acquired for $261 million in a transaction that closed (April 2025), with the holding company now in dissolution. The company reported total assets of approximately $2.4 billion as of Q3 2024 before the transaction close.

Competitive Landscape

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Sterling Bancorp previously competed as a community bank in the highly consolidated U.S. banking sector, facing competition from large regional and national banks as well as fintech lending platforms. The company's exit reflects broader consolidation trends in community banking.

Industry Context

Sterling Bancorp, Inc. operates in Community banking and thrift institutions.

Key facts

Founded: 1984 · Headquarters: Southfield, Michigan, US · Employees: 216 · Revenue: $66.06 million (2024) · Market cap: N/A

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

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Community banking servicesLarge regional and national banking competitor→Regional bankingMajor competitor in commercial and retail banking→Digital lendingDigital mortgage alternative to traditional banks→

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Industry context

Sterling Bancorp, Inc. operates in Community banking and thrift institutions. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Sterling Bancorp, Inc. do?+
Sterling Bancorp, Inc. (NASDAQ: SBT) was a unitary thrift holding company headquartered in Southfield, Michigan. The company operated Sterling Bank and Trust, F.S.B., providing community banking services including ret...
What is Sterling Bancorp, Inc.'s Cyborg Score?+
Sterling Bancorp, Inc. has a Cyborg Score of 1/10 (Challenged). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Sterling Bancorp, Inc.'s main competitors?+
Named competitors include Community banking services, Regional banking, Digital lending. The full competitive landscape is in the AskCyborg report.
How can I get the full Sterling Bancorp, Inc. research report?+
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