C
Stearns Bank National Association
Rating Date
April 2025
Risk Based
Capital Ratio
18.93
Leverage
Ratio
17.23
Return On
Assets
1.69%
Total
Assets
3.14B
Capital
536.50M
Total
Deposits
2.53B
Net
Income
49.51M
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Weiss Ratings Stearns Bank National Association
Saint Cloud, MN 		Click to
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Rating C
Asset Quality Index 5.40
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 9.20
Stability Index 3.70
Company Info Stearns Bank National Association
Saint Cloud, MN 		Click to
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FDIC Number 10988
Phone Number (320) 253-6607
Website www.stearnsbank.com
Asset Quality Stearns Bank National Association
Saint Cloud, MN 		Click to
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1-Year Asset Growth 1.38%
5-Year Asset Growth 7.56%
5-Year Charge-Offs to Average Loans 0.77%
Charge-Offs to Average Loans 0.88%
Non-Performing Assets to Assets 2.70%
Non-Performing Loans to Capital 9.03%
Non-Performing Loans to Loans 2.64%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
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Total Assets 3.14B
Total Deposits 2.53B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
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Capital 536.50M
Leverage Ratio 17.23
Loan Loss Reserves to Loans 2.93%
Risk-Based Capital Ratio 18.93
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
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Hot Money Ratio 11.87%
Liquidity Ratio 13.54%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
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5-Year Return on Average Assets 2.37%
Net Income 49.51M
Net Interest Spread 6.21%
Operating Profit to Average Assets 2.20%
Overhead Efficiency Ratio 54.02%
Return on Assets 1.69%
Return on Equity 9.41%