Bank call report · Saint Cloud, MN
Stearns Bank N.A. Call Report
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Stearns Bank N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 031. Below are its 464 reported line items, schedule by schedule (1,042 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 031 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 141556 |
| FDIC certificate number | 10988 |
| Total assets | $3.27B |
Official Q2 2026 call report PDF (FFIEC) →
Stearns Bank N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 031.
Schedule RC: Balance Sheet (32 items)
About Schedule RC · Stearns Bank N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCFD2170 | $3.27B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCFD3300 | $3.27B |
| Loans and Leases, Net of Unearned Income - Totals | RCFDB528 | $2.82B |
| Loans and Leases, Net of Unearned Income and Allowance | RCFDB529 | $2.74B |
| Total Liabilities and Minority Interest | RCFD2948 | $2.71B |
| Total Deposits | RCON2200 | $2.39B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.25B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCFDG105 | $560.6M |
| Total Equity Capital | RCFD3210 | $534.6M |
| Undivided Profits and Capital Reserves | RCFD3632 | $530.0M |
| Other Borrowed Money (consolidated) | RCFD3190 | $223.0M |
| Other Borrowed Money (domestic offices) | RCON3190 | $223.0M |
| Interest-bearing Balances | RCFD0071 | $210.0M |
| Deposits: Noninterest-bearing | RCON6631 | $138.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) (consolidated) | RCFD1773 | $115.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) (domestic offices) | RCON1773 | $115.0M |
| Allowance for Loan and Lease Losses | RCFD3123 | $82.6M |
| Intangible Assets | RCFD2143 | $71.1M |
| Goodwill | RCFD3163 | $60.8M |
| Other Liabilities, Total | RCFD2930 | $55.3M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $50.0M |
| Other Assets | RCFD2160 | $46.2M |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCFD3000 | $25.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCFD2145 | $20.2M |
| Noninterest-bearing Balances and Currency and Coin | RCFD0081 | $16.5M |
| Direct and Indirect Investments in Real Estate Ventures | RCFD3656 | $15.4M |
| Surplus | RCFD3839 | $5.6M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCFD2130 | $5.0M |
| Accumulated Other Comprehensive Income | RCFDB530 | -$1.4M |
| Common Stock | RCFD3230 | $478K |
| Equity securities with readily determinable fair values not held for trading (consolidated) | RCFDJA22 | $169K |
| Equity securities with readily determinable fair values not held for trading (domestic offices) | RCONJA22 | $169K |
Schedule RI: Income Statement (50 items)
About Schedule RI · Stearns Bank N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $134.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $127.1M |
| Net Interest Income | RIAD4074 | $93.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $73.6M |
| Total Noninterest Expense | RIAD4093 | $53.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $46.2M |
| Total Interest Expense | RIAD4073 | $41.2M |
| Net Income (Loss) | RIAD4340 | $34.6M |
| Salaries and Employee Benefits | RIAD4135 | $33.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $32.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $32.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $31.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $31.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $26.5M |
| Other Noninterest Expense | RIAD4092 | $16.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $15.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $15.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $7.0M |
| Total Noninterest Income | RIAD4079 | $6.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.5M |
| Other Noninterest Income | RIADB497 | $3.1M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $3.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.9M |
| All Other Loans in Domestic Offices | RIADB487 | $2.9M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.5M |
| Less: Net Income (Loss) Attributable to Noncontrolling (Minority) Interests | RIADG103 | -$2.4M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.6M |
| Interest on Other Securities | RIAD4060 | $1.6M |
| Net Servicing Fees | RIADB492 | $890K |
| Income from Lease Financing Receivables | RIAD4065 | $688K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $551K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $466K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $449K |
| Applicable Income Taxes | RIAD4302 | -$402K |
| Other Interest Income | RIAD4518 | $398K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $390K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $357K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $323K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $273K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $86K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $80K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $69K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $9K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $8K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $6K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 455 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions (consolidated) | RCFD0010 | $226.4M |
| Cash and Balances Due from Depository Institutions (domestic offices) | RCON0010 | $226.4M |
| Balances Due from Federal Reserve Banks (consolidated) | RCFD0090 | $179.7M |
| Balances Due from Federal Reserve Banks (domestic offices) | RCON0090 | $179.7M |
| Balances Due from Depository Institutions in the U.S. (consolidated) | RCFD0082 | $39.0M |
| Balances Due from Depository Institutions in the U.S. (domestic offices) | RCON0082 | $39.0M |
| Cash Items in Process of Collection, Unposted Debits, and Currency and Coin | RCFD0022 | $7.8M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $5.4M |
| Currency and Coin | RCON0080 | $2.3M |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks | RCFD0070 | $4K |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Stearns Bank N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCFDG302 | $3.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCFDG303 | $3.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCFDG306 | $62.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCFDG307 | $60.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCFDG314 | $747K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCFDG315 | $761K |
| Total Amortized Cost of Available-for-sale Securities | RCFD1772 | $121.1M |
| Pledged Securities | RCFD0416 | $74.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCFDA560 | $62.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCFD8498 | $43.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. (consolidated) | RCFD8499 | $39.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. (domestic offices) | RCON8499 | $39.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCFDA554 | $39.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCFDK144 | $12.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCFDK145 | $11.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCFDA549 | $8.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCFDA553 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA551 | $958K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCFDA552 | $740K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCFDA559 | $684K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCFDA561 | $503K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCFDA562 | $258K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCFDA555 | $226K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA557 | $25K |
Schedule RC-C, Part I: Loans and Leases (57 items)
About Schedule RC-C, Part I · Stearns Bank N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income (consolidated) | RCFD2122 | $2.82B |
| Total Loans and Leases, Net of Unearned Income (domestic offices) | RCON2122 | $2.82B |
| Commercial and Industrial Loans to U.S. Addressees (consolidated) | RCFD1763 | $1.42B |
| Commercial and Industrial Loans to U.S. Addressees (domestic offices) | RCON1763 | $1.42B |
| Loans Secured by Real Estate | RCFD1410 | $1.27B |
| Pledged Loans and Leases | RCFDG378 | $1.26B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCFDA570 | $1.11B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCFDA573 | $716.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCFDA247 | $702.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCFDA572 | $488.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $405.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $354.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $228.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCFDA571 | $203.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $140.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCFDA574 | $117.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $98.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (consolidated) | RCFDJ454 | $94.3M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (domestic offices) | RCONJ454 | $94.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $63.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCFDHK25 | $44.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCFD2746 | $28.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCFDK163 | $22.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $21.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $19.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $17.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $16.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $15.9M |
| All Other Lease Financing Receivables | RCFDF163 | $13.9M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $13.9M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCFDG095 | $13.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCFDA575 | $12.9M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCFDG094 | $12.7M |
| Loans to Finance Agricultural Production and Other Loans to Farmers (consolidated) | RCFD1590 | $11.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers (domestic offices) | RCON1590 | $11.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.7M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (consolidated) | RCFDJ451 | $2.7M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (domestic offices) | RCONJ451 | $2.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (consolidated) | RCFDK207 | $1.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (domestic offices) | RCONK207 | $1.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $451K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (consolidated) | RCFDK137 | $300K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (domestic offices) | RCONK137 | $300K |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCFDG101 | $268K |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCFDG100 | $255K |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individual for Household Family and Other Personal Expenditures | RCFDG098 | $205K |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individuals for Household, Family and Other Personal Expenditures | RCFDG097 | $192K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (consolidated) | RCFDB539 | $155K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (domestic offices) | RCONB539 | $155K |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCFDG092 | $45K |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCFDG091 | $39K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $434.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $387.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $262.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $88.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $2.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $839K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $271K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 16,760 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 6,419 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 1,511 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 241 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 76 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 46 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 32 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 19 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 15 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 13 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 9 |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · Stearns Bank N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.94B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.83B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.20B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $1.10B |
| Total Brokered Deposits | RCON2365 | $1.10B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.07B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $1.03B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $608.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $590.7M |
| Total Transaction Accounts | RCON2215 | $444.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $426.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $418.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $411.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $255.9M |
| Total reciprocal deposits | RCONJH83 | $225.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $217.9M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $210.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $170.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $166.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $111.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $108.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $86.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $85.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $84.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $60.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $54.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $53.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $41.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $35.7M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $28.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $25.1M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $22.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $18.5M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $15.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $12.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $8.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $289K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities (consolidated) | RCFD1752 | $16.6M |
| Historical Cost of All Other Available-for-sale Equity Securities (domestic offices) | RCON1752 | $16.6M |
| Other Assets | RCFD2168 | $15.2M |
| Accrued Interest Receivable | RCFDB556 | $10.2M |
| Prepaid Expenses | RCFD2166 | $8.9M |
| Net Deferred Tax Assets | RCFD2148 | $4.1M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCFD2938 | $24.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $16.9M |
| Other Expenses Accrued and Unpaid | RCFD3646 | $12.7M |
| Deferred Compensation Liabilities | RCFDC011 | $10.0M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCFDB557 | $1.1M |
Schedule RC-H: Selected Balance Sheet Items for Domestic Offices (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| MBS: Pass-through Securities: Issued or Guaranteed by FNMA, FHLMC, or GNMA - Fair Value of Available-for-sale Securities | RCONG390 | $74.9M |
| MBS: Other Mortgage-backed Securities (Include Cmos, REMICS and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Fair Value of Available-for-sale Securities | RCONG394 | $761K |
| Total Assets (Held in Domestic Offices) | RCON2192 | $3.27B |
| Total Liabilities | RCON3129 | $2.71B |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Stearns Bank N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCFD3368 | $3.25B |
| Quarterly Average of Total Loans | RCON3360 | $2.82B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.43B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.36B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.16B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $466.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $322.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCFD3381 | $181.8M |
| Quarterly Average of Other Borrowed Money | RCFD3355 | $177.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $159.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $120.0M |
| Mortgage-backed Securities | RCFDB559 | $75.2M |
| All Other Securities | RCFDB560 | $43.3M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCFD3484 | $16.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $12.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.5M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCFD3353 | $659K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Stearns Bank N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCFDF165 | $215.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCFDJ457 | $119.7M |
| Other Unused Commitments: All Other Unused Commitments | RCFDJ459 | $31.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCFD3819 | $20.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCFD3814 | $11.6M |
| 1-4 Family Residential Construction Loan Commitments | RCFDF164 | $5.2M |
| Other unused commitments: Loans to nondepository financial institutions | RCFDPV11 | $2.5M |
Schedule RC-M: Memoranda (12 items)
About Schedule RC-M · Stearns Bank N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCFD2651 | $168.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF055 | $168.2M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCFDF065 | $51.8M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF060 | $50.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCFDB571 | $50.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $25.6M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $11.2M |
| All other intangible assets | RCFDJF76 | $10.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCFDF057 | $3.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCFDF063 | $1.8M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCFD6164 | $479K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $452K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (30 items)
About Schedule RC-N · Stearns Bank N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCFD1403 | $74.9M |
| Additions to Nonaccrual Assets | RCFDC410 | $41.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCFD1406 | $32.4M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Nonaccrual | RCFD1253 | $24.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCFDK036 | $23.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $22.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $22.2M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCFDK039 | $18.9M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $18.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCFDK038 | $12.8M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCFDK041 | $11.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $5.6M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Past Due 30-89 Days and Still Accruing | RCFD1251 | $5.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCFDHK28 | $4.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $3.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $3.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCFDK122 | $2.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $1.9M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $776K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $447K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $303K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $243K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $225K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $178K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCFDK218 | $146K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCFDK128 | $141K |
| All Other Leases, Past Due 30-89 Days and Still Accruing | RCFDF169 | $116K |
| All Other Leases, Nonaccrual | RCFDF171 | $2K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCFDK217 | $1K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCFD1407 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Stearns Bank N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCFDK652 | $3.25B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCFDF236 | $2.40B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.69B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $675.6M |
| Average Tangible Equity for the Calendar Quarter | RCFDK654 | $495.0M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $379.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $28.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $7.5M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCFDF237 | $12K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 28,099 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,954 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 758 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCFDK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCFDJA36 | $115.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCFDG502 | $115.2M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCFDG476 | $115.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCFDG505 | $115.1M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCFDG475 | $74K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCFDG504 | $74K |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (28 items)
About Schedule RC-R, Part I · Stearns Bank N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCFAKW03 | $3.25B |
| Average Total Assets (Net of Deductions) | RCFAA224 | $3.18B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCFAA223 | $3.02B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCFAP840 | $534.6M |
| Retained Earnings | RCFAKW00 | $530.0M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCFA3792 | $529.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCFA8274 | $490.7M |
| Common Equity Tier 1 Capital | RCFAP859 | $464.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCFAP852 | $464.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCFAP875 | $71.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCFAP841 | $60.8M |
| General Loan and Lease Valuation Allowances | RCFA5310 | $38.3M |
| Tier 2 (Supplementary) Capital | RCFA5311 | $38.3M |
| Tier 2 Capital Before Deductions | RCFAP870 | $38.3M |
| Additional Tier 1 Capital | RCFAP865 | $25.9M |
| Additional Tier 1 Capital Before Deductions | RCFAP863 | $25.9M |
| Tier 1 Minority Interest Not Included in Common Equity Tier 1 Capital | RCFAP862 | $25.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCFAP842 | $10.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCFAP742 | $6.1M |
| Accumulated Other Comprehensive Income | RCFAB530 | -$1.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP844 | -$1.4M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCFAP843 | $185K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCFA7205 | 0.1752 |
| Tier 1 Risk-based Capital Ratio | RCFA7206 | 0.1625 |
| Tier 1 Leverage Capital Ratio | RCFA7204 | 0.1542 |
| Common Equity Tier 1 Capital Ratio | RCFAP793 | 0.1539 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCFAH311 | 0.0952 |
Schedule RC-R, Part II: Risk-Weighted Assets (55 items)
About Schedule RC-R, Part II · Stearns Bank N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCFDS580 | $3.07B |
| Total Risk-weighted Assets | RCFDG641 | $3.02B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG637 | $2.82B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG633 | $2.82B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCFDD990 | $2.65B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCFDS457 | $2.60B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCFDS462 | $2.52B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCFDG624 | $282.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG631 | $251.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCFDD988 | $251.8M |
| Total Cash and Balances Due from Depository Institutions | RCFDD957 | $226.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCFDG630 | $196.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCFDD987 | $196.1M |
| Total All Other Assets | RCFDD981 | $195.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCFDD958 | $192.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCFDG629 | $141.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCFDG625 | $141.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCFDS439 | $127.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS572 | $125.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCFDD968 | $117.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCFDJA21 | $115.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCFDD985 | $106.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCFDS442 | $106.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG632 | $106.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCFDD989 | $106.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS561 | $83.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCFDS503 | $83.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCFDS460 | $79.3M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCFDS449 | $71.6M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCFDS469 | $71.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCFDS455 | $62.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG636 | $53.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG635 | $50.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCFDD959 | $33.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCFDS525 | $28.9M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCFDS447 | $21.2M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCFDS445 | $21.2M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCFDS575 | $20.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCFDS443 | $20.4M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCFDD996 | $20.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCFDD992 | $20.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCFDD991 | $20.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCFDS500 | -$17.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCFDD983 | $11.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCFDS452 | $9.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCFDS402 | -$6.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCFDS530 | $5.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCFDS526 | $5.8M |
| All Other Assets - 400 Pct Risk Weight Category | RCFDS470 | $5.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCFDS564 | $5.1M |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCFDS506 | $5.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCFDD967 | $3.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCFDD982 | $235K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCFDH185 | $137K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCFDD970 | $95K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCFDA591 | $295.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCFDB805 | $3.5M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $559.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $559.3M |
| Total Equity Capital | RIAD3210 | $534.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $57.9M |
| Other Comprehensive Income | RIADB511 | -$1.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · Stearns Bank N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $33.3M |
| Charge-offs on Commercial and Industrial Loans to U.S. Addressees | RIAD4645 | $33.0M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $4.0M |
| Recoveries on Commercial and Industrial Loans to U.S. Addressees (Domicile) | RIAD4617 | $3.7M |
| Charge-offs of All Other Lease Financing Receivables | RIADC880 | $200K |
| Recoveries of All Other Lease Financing Receivables | RIADF188 | $181K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $93K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $92K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $36K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $14K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Stearns Bank N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $96.3M |
| Allowance for Loan and Lease Losses | RIAD3123 | $82.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $33.3M |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $5.3M |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $4.7M |
| Provisions for credit losses, Available-for-sale debt securities | RIADJH96 | -$562K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$90K |
Schedule RI-C, Part II: Disaggregated Data on the Allowance for Credit Losses, Part II (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCFDJJ11 | $2.82B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCFDJJ07 | $1.55B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCFDJJ05 | $741.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCFDJJ04 | $415.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCFDJJ06 | $116.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCFDJJ19 | $82.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCFDJJ15 | $49.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCFDJJ13 | $24.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCFDJJ12 | $5.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCFDJJ14 | $2.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCFDJJ09 | $1.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCFDJJ17 | $180K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $2.6M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $2.2M |
| Legal Expense | RIAD4141 | $1.3M |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $1.2M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $525K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $413K |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $318K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $257K |
Stearns Bank N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Stearns Bank N.A. call report?
The Stearns Bank N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Stearns Bank N.A. file?
Stearns Bank N.A. files the FFIEC 031. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Stearns Bank N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Stearns Bank N.A. has Federal Reserve RSSD ID 141556 and FDIC certificate number 10988. Either one finds its filings on the FFIEC Central Data Repository.
How often does Stearns Bank N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Stearns Bank N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10988) · FFIEC NIC profile (RSSD 141556)