Peer Analysis

Performance Ratios (%) STL Peer Median Peer Average
ROAA 0.99 1.19 1.27
ROAE 6.97 10.78 10.83
Net Interest Margin 3.60 3.56 3.70
Efficiency Ratio 39.45 57.28 55.96
Loans / Deposits 95.70 93.39 90.71
Asset Quality Ratios (%)
NPAs / Assets 0.77 0.53 0.60
NCOs / Avg Loans 0.14 0.20 0.26
Reserves / Loans 0.44 0.86 0.91
Reserves / NPAs 38.00 110.58 134.47
Capital Ratios (%)
Tier 1 Capital 13.64 11.38 11.73
Tangible Equity / Tangible Assets 9.12 9.21 9.29
Total Equity / Total Assets 14.20 11.12 12.06
Market Ratios
Price / Earnings (x) 13.22 12.03 12.17
Price / Book (%) 89.45 112.96 122.88
Dividend Yield (%) 1.64 2.72 2.77
Data for trailing four quarters

Sterling Bancorp's peer group consists of the following: Associated Banc-Corp (ASB), Bank OZK (OZK), BankUnited, Inc. (BKU), BOK Financial Corporation (BOKF), Commerce Bancshares, Inc. (CBSH), Cullen/Frost Bankers, Inc. (CFR), East West Bancorp, Inc. (EWBC), F.N.B. Corporation (FNB), First Citizens BancShares, Inc. (FCNC.A), First Horizon National Corporation (FHN), First National of Nebraska, Inc. (FINN), Fulton Financial Corporation (FULT), Hancock Whitney Corporation (HWC), IBERIABANK Corporation (IBKC), Investors Bancorp, Inc. (ISBC), MB Financial, Inc. (MBFI), PacWest Bancorp (PACW), People's United Financial, Inc. (PBCT), Pinnacle Financial Partners, Inc. (PNFP), Prosperity Bancshares, Inc. (PB), Signature Bank (SBNY), Synovus Financial Corp. (SNV), TCF Financial Corporation (TCF), Texas Capital Bancshares, Inc. (TCBI), UMB Financial Corporation (UMBF), Umpqua Holdings Corporation (UMPQ), Valley National Bancorp (VLY), Webster Financial Corporation (WBS), Western Alliance Bancorporation (WAL), Wintrust Financial Corporation (WTFC)

Sterling Bancorp's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018