Stearns Bank N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.63 percentage points lower than in Q1 2026, at 69.54%. Stearns Bank N.A. ranks 24th of 221 Minnesota banks on return on assets, in the upper half at 2.11% (Q2 2026). Stearns Bank N.A.'s return on assets of 2.11% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.39% |
| Tier 1 risk-based capital ratio | 16.25% |
| Total risk-based capital ratio | 17.52% |
| Tier 1 leverage ratio | 15.42% |
| Equity capital to assets | 16.33% |
| Tangible equity to tangible assets | 14.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.21% |
| Non-performing assets ratio | 4.77% |
| Net charge-off ratio | 1.26% |
| Texas ratio | 28.59% |
| Allowance for credit losses to loans | 2.93% |
| Reserve coverage of non-performing loans | 69.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.11% |
| Return on equity | 12.90% |
| Net interest margin | 5.99% |
| Efficiency ratio | 53.23% |
| Yield on earning assets | 8.63% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.22% |
| Core deposits to total deposits | 46.83% |
| Brokered deposits to total deposits | 46.04% |
| Deposits to assets | 72.85% |
| Securities to assets | 3.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.25% | 21.41% | 22.68% | 19.69% | -0.26% |
| Q4 2023 | 19.61% | 19.78% | 21.05% | 19.14% | 3.04% |
| Q1 2024 | 19.08% | 19.26% | 20.53% | 19.01% | 1.02% |
| Q2 2024 | 17.21% | 17.40% | 18.66% | 16.80% | 1.80% |
| Q3 2024 | 16.76% | 16.95% | 18.22% | 17.02% | 1.34% |
| Q4 2024 | 17.48% | 17.66% | 18.93% | 17.23% | 2.47% |
| Q1 2025 | 15.91% | 16.10% | 17.37% | 16.14% | -0.41% |
| Q2 2025 | 13.39% | 14.17% | 15.44% | 14.12% | 1.67% |
| Q3 2025 | 14.63% | 15.49% | 16.76% | 14.76% | 3.33% |
| Q4 2025 | 15.38% | 16.30% | 17.56% | 15.79% | 2.57% |
| Q1 2026 | 14.94% | 15.82% | 17.09% | 15.11% | 2.12% |
| Q2 2026 | 15.39% | 16.25% | 17.52% | 15.42% | 2.11% |
Stearns Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stearns Bank N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)