Sterling Financial Corporation (Sterling) is a bank holding company for Sterling Savings Bank. Sterling Savings Bank is a state-chartered commercial bank. Sterling Savings Bank offers retail and commercial banking products and services, mortgage lending and investment products to individuals, small businesses, commercial organizations and corporations. The Company operates in two segments: Community Banking and Home Loan Division. Its Community Banking segment provides traditional banking services through the retail banking, private banking and commercial banking groups, including the originating and servicing of commercial real estate, owner occupied CRE and C&I loans. The Company�s Home Loan Division originates and sells residential real estate loans through its mortgage banking operations, on both a servicing-retained and servicing-released basis. In Apil 2014, Umpqua Holdings Corp merged with Sterling Financial Corp.