Stearns Bank N.A.: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Modified loans and leases climbed 83.8% in Q2 2026, from $23.9M to $44.0M. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $44.0M |
| Modified loans to total loans | 1.56% |
| Non-performing assets excluding restructured loans, to assets | 3.43% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 4.21% |
| Nonaccrual loans to loans | 2.65% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 1.26% |
| Allowance for credit losses to loans | 2.93% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.17% | 1.41% | 1.10% |
| Q4 2023 | 0.17% | 1.06% | 1.44% |
| Q1 2024 | 0.19% | 1.02% | 1.49% |
| Q2 2024 | 0.40% | 2.21% | 0.71% |
| Q3 2024 | 0.46% | 2.46% | 0.89% |
| Q4 2024 | 0.46% | 2.64% | 0.51% |
| Q1 2025 | 0.49% | 3.03% | 0.44% |
| Q2 2025 | 0.61% | 2.79% | 0.55% |
| Q3 2025 | 0.80% | 2.91% | 0.41% |
| Q4 2025 | 0.78% | 2.71% | 0.25% |
| Q1 2026 | 0.84% | 3.31% | 2.86% |
| Q2 2026 | 1.56% | 4.21% | 1.26% |
Stearns Bank N.A. loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Stearns Bank N.A., freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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.
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