This institution is no longer active

Operations ceased on February 1, 2022. CRA examination history below reflects the period it was active.

STERLING NATIONAL BANK

PEARL RIVER, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1895FDIC #30,337

Satisfactory Down

Current rating · Exam: April 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

STERLING NATIONAL BANK holds a Satisfactory CRA rating (2012).

Institution Profile

FDIC BankFind

Address

2 Blue Hill Plz, PEARL RIVER, NY

County

Rockland County

Established

January 1, 1895

Total Assets

$29.6B(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

April 2, 2012

Exam Type

Wholesale/Limited Purpose

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 14 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	295	77.63%	3.73%
2020	102	83.33%	10.78%
2019	162	83.95%	7.41%
2018	275	81.82%	7.64%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 18.70% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 2012	Satisfactory	Wholesale/Limited Purpose
Apr 2009	Outstanding	Wholesale/Limited Purpose
Jul 2002	Outstanding	Not Reported

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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