Stearns Financial Services, Inc. Financials, FR Y-9C Data and Filings

BankRegReports is independent of Stearns Financial Services, Inc. and never asks for online banking logins or passwords.

Bank Holding Company Minnesota RSSD 1427275 FRS Est. 1989

Part of:

Stearns Financial Services, Inc. is a bank holding company based in Minnesota with $3.29B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve. It owns 1 bank that files a call report: Stearns Bank N.A. ($3.27B in assets).

Key Financials FR Y-9C, consolidated, as of June 30, 2026

Total assets: $3.29B
Total deposits: $2.37B
Total equity: $479.4M
Net income (Q2 2026): $15.7M
ROA: 1.92%
ROE: 12.90%
Net interest margin: 5.85%
CET1 ratio: 13.48%

Total loans: $2.82B
Efficiency ratio: 55.61%
Equity / assets: 14.59%
Tier 1 leverage ratio: 15.60%
Total capital ratio: 17.72%
Employees (FTE): 462

Source: FR Y-9C for June 30, 2026, consolidated across the holding company's banks and nonbank subsidiaries. Net income is for Q2 2026 alone; ROA, ROE and net interest margin annualize that quarter, and the margin is tax-equivalent, on average earning assets. Deposits add domestic and foreign-office deposits (Schedule HC, item 13). Capital ratios are as filed on Schedule HC-R (CET1: BHCAP793). Bank-level figures in the tables below come from each bank's own call report.

Bank Subsidiaries 1 bank held directly or through another holding company

Bank	Charter	State	Total assets (call report)	Share of bank assets	Held through
Stearns Bank N.A.	National Bank	MN	$3.27B	100.0%	Held directly

Questions About Stearns Financial Services, Inc.

What are Stearns Financial Services, Inc.'s total assets?

Stearns Financial Services, Inc. reported $3.29B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve.

How many banks does Stearns Financial Services, Inc. own?

Stearns Financial Services, Inc. owns 1 bank that files a call report: Stearns Bank N.A.

Who owns Stearns Bank N.A.?

Stearns Bank N.A. is owned by Stearns Financial Services, Inc. The bank reported $3.27B in total assets on its latest call report.

Where can I find Stearns Financial Services, Inc.'s FR Y-9C?

Stearns Financial Services, Inc. files the FR Y-9C with the Federal Reserve every quarter. The reports are public on the FFIEC National Information Center under RSSD ID 1427275. This page summarizes the FR Y-9C for Q2 2026.

Filing Details fiscal year and SEC registration

Fiscal year end: December 31
Ticker: —
SEC CIK: —
SEC filings: —

Organization Map select + to expand a subsidiary's own holdings

Holding company Reporting bank Nonbank subsidiary

Stearns Financial Services, Inc.

Holding Company MN RSSD 1427275

$3.29B
- Stearns Bank N.A.
  
  National Bank MN RSSD 141556
  
  $3.27B
- JNJ Properties, LLC
  
  Nonbank Subsidiary MN RSSD 2805834
- Stearns Financial Capital Trust I
  
  Nonbank Subsidiary MN RSSD 3188655
- Stearns Financial Capital Trust II
  
  Nonbank Subsidiary MN RSSD 3226696
- Stearns Financial Capital Trust III
  
  Nonbank Subsidiary MN RSSD 3371224
- Stearns Financial Capital Trust IV
  
  Nonbank Subsidiary MN RSSD 3418811
- Stearns Financial Capital Trust V
  
  Nonbank Subsidiary MN RSSD 3619038

Direct Subsidiaries 7 active direct subsidiaries

Entity	Type	State	Total Assets	Share of bank subsidiary assets
Stearns Bank N.A. · 141556	National Bank	MN	$3.27B	100.0%
JNJ Properties, LLC · 2805834	Nonbank Subsidiary	MN	—	—
Stearns Financial Capital Trust I · 3188655	Nonbank Subsidiary	MN	—	—
Stearns Financial Capital Trust II · 3226696	Nonbank Subsidiary	MN	—	—
Stearns Financial Capital Trust III · 3371224	Nonbank Subsidiary	MN	—	—
Stearns Financial Capital Trust IV · 3418811	Nonbank Subsidiary	MN	—	—
Stearns Financial Capital Trust V · 3619038	Nonbank Subsidiary	MN	—	—

Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.

Regulator records: FFIEC NIC profile (RSSD 1427275)