C
Stearns Bank National Association
Rating Date
October 2025
Risk Based
Capital Ratio
15.44
Leverage
Ratio
14.12
Return On
Assets
0.64%
Total
Assets
3.55B
Capital
517.41M
Total
Deposits
2.83B
Net
Income
11.15M
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Weiss Ratings Stearns Bank National Association
Saint Cloud, MN 		Click to
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Rating C
Asset Quality Index 4.10
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 4.80
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 10.09%
5-Year Asset Growth 7.56%
5-Year Charge-Offs to Average Loans 0.79%
Charge-Offs to Average Loans 0.49%
Non-Performing Assets to Assets 2.81%
Non-Performing Loans to Capital 11.57%
Non-Performing Loans to Loans 2.79%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
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Total Assets 3.55B
Total Deposits 2.83B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
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Capital 517.41M
Leverage Ratio 14.12
Loan Loss Reserves to Loans 3.25%
Risk-Based Capital Ratio 15.44
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
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Hot Money Ratio 10.82%
Liquidity Ratio 10.27%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
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5-Year Return on Average Assets 2.21%
Net Income 11.15M
Net Interest Spread 6.29%
Operating Profit to Average Assets 1.69%
Overhead Efficiency Ratio 56.21%
Return on Assets 0.64%
Return on Equity 4.01%