Sterling Bancorp is a bank holding company and a financial holding company. The Company and its subsidiaries provide banking and related financial services and products to customers primarily in New York, New Jersey and Connecticut (the New York metropolitan area). The Company has operations in the New York metropolitan area and conducts business throughout the United States. The Company�s principal subsidiary is Sterling National Bank (the Bank). Sterling Bancorp�s subsidiaries also include Sterling Banking Corporation and Sterling Bancorp Trust I (the Trust). The Bank maintains 12 offices in New York: nine offices in New York City (six branches and an international banking facility in Manhattan and three branches in Queens); two branches in Nassau County (one in Great Neck and the other in Woodbury, New York) and one branch in Yonkers, New York. The Bank provides loans to small and medium-sized businesses. In August 2012, the Bank acquired the business of Universal Mortgage, Inc.