Stearns Bank National Association
Saint Cloud, MN · Cert 10988 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Stearns Finl Services Employee STK Ownership Plan
National charter · OCC · 8 branches
Q2 2026
$3.3BAssets
$2.8BLoans
$2.4BDeposits
$534.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets operating regionally (rank 3 of 176).
- Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.67%
Rank 26 of 176
Net Interest Margin
5.75%
Rank 3 of 176
Efficiency Ratio
53.36%
Rank 49 of 176
Equity / Assets
16.33%
Rank 4 of 176
Non-interest income vs. expense
Unfavorable gap of $93.6M · efficiency ratio beats 73% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.93% | 1.26% | 1.54% | Beats 85% | 26 / 176 | |
| Return on Equity | 10.23% | 9.26% | 11.89% | 14.46% | Beats 37% | 111 / 176 | |
| Net Interest Margin | 5.75% | 3.25% | 3.59% | 3.93% | Beats 98% | 3 / 176 | |
| Efficiency Ratio | 53.36% | 52.79% | 59.55% | 67.66% | Beats 73% | 49 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.65% | 0.30% | 0.64% | 1.32% | Beats 3% | 171 / 176 | |
| Net Charge-Offs / Loans | 1.18% | 0.01% | 0.04% | 0.10% | Beats 2% | 174 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 16.25% | 11.15% | 12.72% | 14.15% | Beats 89% | 20 / 176 | |
| Total Risk-Based Capital Ratio | 17.52% | 11.81% | 13.63% | 15.33% | Beats 90% | 18 / 176 | |
| Equity / Assets | 16.33% | 9.16% | 10.35% | 11.80% | Beats 98% | 4 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 118.22% | 80.94% | 89.73% | 97.21% | 99th pctl | 2 / 176 | |
| Loans / Assets | 86.13% | 69.25% | 75.12% | 80.82% | 96th pctl | 7 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |