Stearns Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stearns Bank N.A. of Saint Cloud, MN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.11% | 1.46% | +0.65% | 89th top |
| ROAE | 12.90% | 12.72% | +0.18% | 54th above |
| Net Interest Margin | 5.99% | 3.85% | +2.14% | 98th top |
| Efficiency Ratio | 53.23% | 57.41% | -4.18% | 65th above |
| PPNR / Avg Assets | 2.83% | 1.88% | +0.95% | 93rd top |
| Yield on Earning Assets | 8.63% | 5.71% | +2.92% | 98th top |
| Cost of Funds | 3.14% | 2.01% | +1.13% | 6th bottom |
| Net Interest Spread | 5.30% | 3.18% | +2.12% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.21% | 1.00% | +3.21% | 2nd bottom |
| NPA / Total Assets | 4.77% | 0.76% | +4.01% | 1st bottom |
| NCO / Avg Loans | 1.26% | 0.43% | +0.83% | 3rd bottom |
| ACL / Total Loans | 2.93% | 1.31% | +1.62% | 98th top |
| ACL / NPLs (Coverage) | 69.54% | 543.97% | -474.43% | 16th bottom |
| Texas Ratio | 28.59% | 7.36% | +21.23% | 2nd bottom |
| Provision / NCO | 53.52% | 619.45% | -565.93% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.39% | 17.34% | -1.95% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.25% | 17.37% | -1.12% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.52% | 18.42% | -0.90% | 80th top |
| Leverage Ratio | 15.42% | 11.43% | +3.99% | 93rd top |
| Equity / Assets | 16.33% | 11.33% | +5.00% | 96th top |
| TCE / Tangible Assets | 14.47% | 10.49% | +3.98% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 118.22% | 86.91% | +31.31% | 3rd bottom |
| Core Deposit Ratio | 46.83% | 85.60% | -38.77% | 2nd bottom |
| Uninsured Deposit Ratio | 15.89% | 33.14% | -17.25% | 90th top |
| Wholesale Funding Ratio | 8.34% | 5.70% | +2.64% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.73% | 9.70% | -17.43% | 2nd bottom |
| Loan Growth (Y/Y) | -9.42% | 8.08% | -17.50% | 3rd bottom |
| Deposit Growth (Y/Y) | -15.61% | 7.90% | -23.51% | 1st bottom |
See Stearns Bank N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stearns Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Stearns Bank N.A. profile, how to read a UBPR, or how this data updates.