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This institution is no longer active

Operations ceased on July 28, 2011. CRA examination history below reflects the period it was active.

STERLING BANK

HOUSTON, TX · Supervised by FDIC

Est. 1974FDIC #21,726RSSD: FDIC-21726
Part ofSTERLING BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: July 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.36%

Institution Profile

FDIC BankFind

Address

2950 North Loop West, HOUSTON, TX

County

Harris County

Established

August 12, 1974

Total Assets

$5.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2009

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2011Call Report / FDIC

Total Assets

$5.1B

Total Deposits

$4.2B

Net Loans

$2.3B

Net Income

$-9,280K

ROA

-0.36%

ROE

-2.81%

Risk-Based Capital

17.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.66%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248287.8%3.66%
20238383.13%6.02%
201910474.04%8.65%
201810280.39%13.73%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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