D
Stearns Bank of Upsala, National Association
Upsala,  MN
Rating Date
June 2025
Risk Based
Capital Ratio
35.14
Leverage
Ratio
28.14
Return On
Assets
0.34%
Total
Assets
64.41M
Capital
17.97M
Total
Deposits
44.88M
Net
Income
54.00K
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Weiss Ratings Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Rating D
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 3.00
Stability Index 6.50
Company Info Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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FDIC Number 9336
Phone Number (320) 573-2111
Website www.stearnsbank.com
Asset Quality Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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1-Year Asset Growth 3.00%
5-Year Asset Growth -4.26%
5-Year Charge-Offs to Average Loans 0.59%
Charge-Offs to Average Loans 0.64%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 1.31%
Non-Performing Loans to Loans 0.67%
Balance Sheet Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Total Assets 64.41M
Total Deposits 44.88M
Capital and Reserves Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Capital 17.97M
Leverage Ratio 28.14
Loan Loss Reserves to Loans 1.70%
Risk-Based Capital Ratio 35.14
Liquidity Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Hot Money Ratio 18.42%
Liquidity Ratio 24.93%
Profitability Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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5-Year Return on Average Assets 1.48%
Net Income 54.00K
Net Interest Spread 3.63%
Operating Profit to Average Assets 1.65%
Overhead Efficiency Ratio 39.18%
Return on Assets 0.34%
Return on Equity 1.20%