STERLING BANK&TRUST FSB
SOUTHFIELD, MICHIGAN · FDIC Cert #32232
Capital & Safety Analysis
According to FDIC financial data, STERLING BANK&TRUST FSB holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject STERLING BANK&TRUST FSB to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
STERLING BANK&TRUST FSB shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
STERLING BANK&TRUST FSB has a Bank Health Score of C (53/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
STERLING BANK&TRUST FSB holds $2.4B in total assets and $2.0B in total deposits. It is located in SOUTHFIELD, MICHIGAN (FDIC Certificate #32232).
STERLING BANK&TRUST FSB has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.97%, and the return on assets is 0.40%.
Yes. STERLING BANK&TRUST FSB is FDIC-insured (Certificate #32232). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.