Stearns Bank N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.18 percentage points in Q2 2026, from 113.05% to 118.22%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Stearns Bank N.A. ranks 7th highest among the 221 banks headquartered in Minnesota, at 118.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Stearns Bank N.A. sits 30.02 points higher, at 118.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.82B |
| Net loans and leases | $2.74B |
| Loans held for sale | $0 |
| Loans to total assets | 86.13% |
| Loan-to-deposit ratio | 118.22% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.69% |
| Multifamily (5+ residential) | 4.96% |
| Commercial and industrial | 50.47% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.71% |
| Construction concentration (Tier 1 capital + allowance) | 72.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.10% |
| Interest income on loans | $64.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.35B | $2.15B | 13.85% | 55.15% | 0.08% |
| Q4 2023 | $2.56B | $2.21B | 14.80% | 52.56% | 0.09% |
| Q1 2024 | $2.63B | $2.33B | 15.55% | 51.80% | 0.07% |
| Q2 2024 | $2.67B | $2.38B | 16.54% | 51.66% | 0.07% |
| Q3 2024 | $2.73B | $2.50B | 19.79% | 50.36% | 0.06% |
| Q4 2024 | $2.72B | $2.53B | 20.22% | 52.98% | 0.05% |
| Q1 2025 | $2.88B | $2.50B | 21.66% | 52.02% | 0.04% |
| Q2 2025 | $3.11B | $2.83B | 20.58% | 54.25% | 0.04% |
| Q3 2025 | $2.93B | $2.52B | 19.54% | 53.72% | 0.05% |
| Q4 2025 | $2.93B | $2.58B | 20.33% | 52.05% | 0.05% |
| Q1 2026 | $2.85B | $2.52B | 19.87% | 51.33% | 0.05% |
| Q2 2026 | $2.82B | $2.39B | 20.69% | 50.47% | 0.05% |
Stearns Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stearns Bank N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Stearns Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10988) · FFIEC NIC profile (RSSD 141556)