C
Stearns Bank National Association
Rating Date
June 2025
Risk Based
Capital Ratio
17.37
Leverage
Ratio
16.14
Return On
Assets
-0.38%
Total
Assets
3.16B
Capital
515.47M
Total
Deposits
2.50B
Net
Income
-3.21M
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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 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 0.09%
5-Year Asset Growth 7.56%
5-Year Charge-Offs to Average Loans 0.79%
Charge-Offs to Average Loans 0.43%
Non-Performing Assets to Assets 3.14%
Non-Performing Loans to Capital 11.81%
Non-Performing Loans to Loans 3.03%
Balance Sheet Stearns Bank National Association
Saint Cloud, MN 		Click to
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Total Assets 3.16B
Total Deposits 2.50B
Capital and Reserves Stearns Bank National Association
Saint Cloud, MN 		Click to
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Capital 515.47M
Leverage Ratio 16.14
Loan Loss Reserves to Loans 2.91%
Risk-Based Capital Ratio 17.37
Liquidity Stearns Bank National Association
Saint Cloud, MN 		Click to
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Hot Money Ratio 11.79%
Liquidity Ratio 8.79%
Profitability Stearns Bank National Association
Saint Cloud, MN 		Click to
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5-Year Return on Average Assets 2.21%
Net Income -3.21M
Net Interest Spread 6.23%
Operating Profit to Average Assets 1.84%
Overhead Efficiency Ratio 57.85%
Return on Assets -0.38%
Return on Equity -2.22%