STEARNS BANK NATIONAL ASSOCIATION

SAINT CLOUD, MN | Large | Est. May 28, 1912, midnight | FDIC #10988 | RSSD #141556 | OCC
Latest Report: 2025-12-31

STEARNS BANK NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in SAINT CLOUD, MN, established in May 28, 1912, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.6B. Profitability stands at 2.57% ROA and 15.72% ROE, with a net interest margin of 7.00%. The bank's CET1 capital ratio is 15.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.92% and a Texas Ratio of 14.42%. FDIC Certificate #10988.

Assets

$3.3B

Deposits

$2.6B

Loans

$2.9B

Equity

$559M

Profitability

Return on Assets (ROA) 2.57%
Return on Equity (ROE) 15.72%
Net Interest Margin (NIM) 7.00%
Yield on Assets 9.89%
Cost of Funds 3.95%

Asset Quality

NPL Ratio 1.92%
Net Charge-Off Ratio 0.41%
Texas Ratio 14.42%
NPA Ratio 2.83%
ACL / Loans 3.28%

Capital & Liquidity

CET1 Ratio 15.38%
Tier 1 Capital 16.30%
Total Capital Ratio 17.56%
Leverage Ratio 15.79%
Loan-to-Deposit 113.83%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required