D
Stearns Bank of Upsala, National Association
Upsala,  MN
Rating Date
April 2025
Risk Based
Capital Ratio
34.92
Leverage
Ratio
27.72
Return On
Assets
0.88%
Total
Assets
64.45M
Capital
17.91M
Total
Deposits
44.90M
Net
Income
553.00K
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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 7.90
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 3.10
Stability Index 7.30
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 1.58%
5-Year Asset Growth -4.26%
5-Year Charge-Offs to Average Loans 0.55%
Charge-Offs to Average Loans 0.85%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 1.07%
Non-Performing Loans to Loans 0.42%
Balance Sheet Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Total Assets 64.45M
Total Deposits 44.90M
Capital and Reserves Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Capital 17.91M
Leverage Ratio 27.72
Loan Loss Reserves to Loans 1.68%
Risk-Based Capital Ratio 34.92
Liquidity Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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Hot Money Ratio 19.28%
Liquidity Ratio 24.55%
Profitability Stearns Bank of Upsala, National Association
Upsala, MN 		Click to
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5-Year Return on Average Assets 1.54%
Net Income 553.00K
Net Interest Spread 3.17%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 40.80%
Return on Assets 0.88%
Return on Equity 3.14%