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Sterling Bancorp operates as a holding company for Sterling National Bank, which provides commercial banking services in the United States. The bank accepts deposits, including demand, NOW, savings, money market, and time deposits. It also offers consumer loans, commercial and residential mortgage lending and brokerage, asset based financing, and factoring/accounts receivable management services. Its securities portfolio comprises of U.S. government and U.S. government corporation, and agency guaranteed mortgage backed securities. The company, through its other subsidiaries, provides trade financing, equipment leasing, deposit services, trust and estate administration, and investment management services. As of December 31, 2004, the bank operated eight offices in New York City; one branch in Nassau County in Great Neck, New York; and one branch in Yonkers, New York. The company was founded in 1929 and is headquartered in New York City.