Sterling Bancorp operates as the bank holding company for Sterling National Bank that provides various banking services to commercial, consumer, and municipal clients in the United States. The company accepts deposit products, such as NOW deposits, savings deposits, certificate of deposits, money market deposits, senior notes, and other borrowings. Its loan portfolio includes commercial mortgages, residential mortgages, and other consumer loans; payroll finance, warehouse, factored receivables, and equipment finance lending; commercial and industrial loans; commercial real estate and multi-family loans; and acquisition, development, and construction loans. The company also offers wealth management products. As of September 30, 2014, it operated 32 full-service financial centers, which include 7 offices in Orange County and 9 in Rockland County, as well as 5 offices in Ulster, Sullivan, Westchester, and Putnam Counties in New York; 7 offices in New York City; 3 offices in Long Island; and 1 office in Bergen County, New Jersey. The company was founded in 1888 and is based in Montebello, New York.