Saint Cloud, MN · Cert 10988 · Stearns Finl Services Employee STK Ownership Plan
National charter · OCC · 8 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 25.2% share · #1 of 32 inst. · $2.0B of $7.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 1.60% | 1.85% | 1.70% | 1.66% | +98 bps | |
| Return on Equity | 4.26% | 10.04% | 11.48% | 10.36% | 10.11% | +585 bps | |
| Net Interest Margin | 5.85% | 5.90% | 6.14% | 5.65% | 5.75% | -9 bps | |
| Efficiency Ratio | 55.09% | 52.00% | 53.39% | 52.28% | 52.81% | -228 bps | |
| Non-Interest Burden | 3.15% | 2.88% | 3.06% | 2.76% | 2.88% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.09% | 2.39% | 6.65% | 4.32% | -7.73% | -1,782 bps | |
| Loan Growth (YoY) | 16.43% | 7.52% | 7.72% | -1.02% | -9.42% | -2,585 bps | |
| Deposit Growth (YoY) | 18.89% | 0.72% | 1.89% | 0.94% | -15.61% | -3,450 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.18% | 2.12% | 1.92% | 2.47% | 2.65% | +48 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.47% | 0.41% | 2.88% | 2.08% | +162 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.12% | 14.76% | 15.79% | 15.11% | 15.42% | +130 bps | |
| Total Risk-Based Capital | 15.44% | 16.76% | 17.56% | 17.09% | 17.52% | +208 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.14% | 116.31% | 113.83% | 113.05% | 118.22% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |