C
Stearns Bank National Association
Rating Date
March 2026
Risk Based
Capital Ratio
17.56
Leverage
Ratio
15.79
Return On
Assets
1.93%
Total
Assets
3.34B
Capital
559.27M
Total
Deposits
2.58B
Net
Income
61.18M
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Weiss Ratings Stearns Bank National Association
Saint Cloud, MN 		Click to
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Rating C
Asset Quality Index 4.20
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 9.90
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 6.65%
5-Year Asset Growth 10.79%
5-Year Charge-Offs to Average Loans 0.79%
Charge-Offs to Average Loans 0.41%
Non-Performing Assets to Assets 3.26%
Non-Performing Loans to Capital 9.65%
Non-Performing Loans to Loans 2.71%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
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Total Assets 3.34B
Total Deposits 2.58B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
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Capital 559.27M
Leverage Ratio 15.79
Loan Loss Reserves to Loans 3.28%
Risk-Based Capital Ratio 17.56
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
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Hot Money Ratio 13.94%
Liquidity Ratio 9.39%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
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5-Year Return on Average Assets 2.21%
Net Income 61.18M
Net Interest Spread 6.33%
Operating Profit to Average Assets 2.54%
Overhead Efficiency Ratio 53.85%
Return on Assets 1.93%
Return on Equity 12.15%