Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ý ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the year ended December 31, 2018 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-38290 Sterling Bancorp, Inc. (Exact name of registrant as specified in its charter) Michigan (State or other jurisdiction of incorpor ...

Q4 and Full Year 2018 Earnings Conference Call January 24, 2019 Forward-Looking Statements and Associated Risk Factors We make statements in this presentation regarding our outlook or expectations for earnings, revenues, expenses and/or other matters regarding or affecting us that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are typically identified by words such as "believe," "expect," "anticipate," "intend," "outlook, ...

Sterling Bancorp, Inc. (NASDAQ:SBT) Q4 2018 Earnings Conference Call January 28, 2018 5:00 PM ET CompanyParticipants Allyson Pooley - Investor Relations Gary Judd - Chairman and Chief Executive Officer Tom Lopp - President, Chief Financial Officer, Chief Operating Officer Michael Montemayor - President Retail and Commercial Banking, Chief Lending Officer Conference Call Participants Aaron Deer - Sandler O'Neill and Partners Anthony Polini - American Capital partners Operator Good day, everyone. And welcome ...