C
Stearns Bank National Association
Rating Date
August 2026
Risk Based
Capital Ratio
17.52
Leverage
Ratio
15.42
Return On
Assets
1.96%
Total
Assets
3.27B
Capital
534.63M
Total
Deposits
2.39B
Net
Income
34.59M
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Weiss Ratings Stearns Bank National Association
Saint Cloud, MN 		Click to
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Rating C
Asset Quality Index 2.90
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 9.40
Stability Index 10.00
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 -7.73%
5-Year Asset Growth 10.79%
5-Year Charge-Offs to Average Loans 0.63%
Charge-Offs to Average Loans 2.06%
Non-Performing Assets to Assets 4.41%
Non-Performing Loans to Capital 14.82%
Non-Performing Loans to Loans 4.21%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
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Total Assets 3.27B
Total Deposits 2.39B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
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Capital 534.63M
Leverage Ratio 15.42
Loan Loss Reserves to Loans 2.93%
Risk-Based Capital Ratio 17.52
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
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Hot Money Ratio 16.26%
Liquidity Ratio 9.85%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
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5-Year Return on Average Assets 2.23%
Net Income 34.59M
Net Interest Spread 5.92%
Operating Profit to Average Assets 1.94%
Overhead Efficiency Ratio 53.36%
Return on Assets 1.96%
Return on Equity 11.95%