D
Stearns Bank of Upsala, National Association
Upsala,  MN
Rating Date
October 2025
Risk Based
Capital Ratio
35.07
Leverage
Ratio
27.93
Return On
Assets
1.01%
Total
Assets
64.99M
Capital
18.10M
Total
Deposits
45.25M
Net
Income
326.00K
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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 6.30
Stability Index 3.70
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 3.44%
5-Year Asset Growth -4.26%
5-Year Charge-Offs to Average Loans 0.59%
Charge-Offs to Average Loans 0.59%
Non-Performing Assets to Assets 0.62%
Non-Performing Loans to Capital 1.99%
Non-Performing Loans to Loans 0.80%
Balance Sheet Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Total Assets 64.99M
Total Deposits 45.25M
Capital and Reserves Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Capital 18.10M
Leverage Ratio 27.93
Loan Loss Reserves to Loans 1.78%
Risk-Based Capital Ratio 35.07
Liquidity Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Hot Money Ratio 19.48%
Liquidity Ratio 25.20%
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 326.00K
Net Interest Spread 3.77%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 38.57%
Return on Assets 1.01%
Return on Equity 3.62%