C
Stearns Bank National Association
Rating Date
October 2025
Risk Based
Capital Ratio
16.76
Leverage
Ratio
14.76
Return On
Assets
1.61%
Total
Assets
3.35B
Capital
536.42M
Total
Deposits
2.52B
Net
Income
39.65M
My Lists My Alerts
Weiss Ratings Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 4.10
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 9.40
Stability Index 3.70
Company Info Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 10988
Phone Number (320) 253-6607
Website www.stearnsbank.com
Asset Quality Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 2.39%
5-Year Asset Growth 7.56%
5-Year Charge-Offs to Average Loans 0.79%
Charge-Offs to Average Loans 0.46%
Non-Performing Assets to Assets 3.36%
Non-Performing Loans to Capital 10.72%
Non-Performing Loans to Loans 2.91%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 3.35B
Total Deposits 2.52B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 536.42M
Leverage Ratio 14.76
Loan Loss Reserves to Loans 3.34%
Risk-Based Capital Ratio 16.76
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 13.28%
Liquidity Ratio 9.89%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 2.21%
Net Income 39.65M
Net Interest Spread 6.22%
Operating Profit to Average Assets 2.38%
Overhead Efficiency Ratio 52.88%
Return on Assets 1.61%
Return on Equity 10.23%