Bank Comparison
Stearns Bank N.A. vs Frandsen Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| CET1 Ratio | 14.94% | 13.61% |
| Tier 1 Capital Ratio | 15.82% | 13.61% |
| Total Capital Ratio | 17.09% | 14.87% |
| Tier 1 Leverage Ratio | 15.11% | 9.75% |
| Equity / Assets | 16.07% | 11.55% |
Profitability
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.12% | 1.61% |
| Return on Equity (ROE) | 12.81% | 14.24% |
| Net Interest Margin (NIM) | 5.84% | 3.94% |
| Yield on Earning Assets | 8.38% | 5.41% |
| Cost of Funds | 3.03% | 1.58% |
Asset quality
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| Texas Ratio | 24.45% | 13.70% |
| Non-Performing Loan Ratio | 3.31% | 1.46% |
| Non-Performing Asset Ratio | 4.02% | 1.20% |
| Net Charge-Off Ratio | 2.86% | 0.00% |
| ACL / Loans | 2.92% | 1.32% |
Balance sheet
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| Total Assets | $3,296M | $3,688M |
| Total Deposits | $2,518M | $3,138M |
| Total Loans | $2,847M | $2,502M |
| Total Equity | $529,600K | $426,118K |
| Net Income (quarter) | $17,429K | $15,046K |
Liquidity & funding
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 113.05% | 79.74% |
| Core Deposit Ratio | 93.77% | 94.96% |
| Uninsured Deposit Ratio | 17.76% | 31.28% |
Identity
| Metric | Stearns Bank N.A. | Frandsen Bank & Trust |
|---|---|---|
| Headquarters City | SAINT CLOUD | LONSDALE |
| Headquarters State | MN | MN |
| Asset Tier | Large | Large |
| Charter Class | 15576 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 7 | 41 |
| Employees (FTE) | 459 | 448 |
| Established | May 28, 1912, midnight | Aug. 1, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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