What is Stearns Bank National Association's financial health grade?

Stearns Bank National Association has a TFS Financial Health Grade of B+ (score: 82.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Stearns Bank National Association have?

Stearns Bank National Association has 7 branch locations across the United States.

Is Stearns Bank National Association FDIC insured?

Yes, Stearns Bank National Association is FDIC insured (Certificate #10988).

What are the total assets of Stearns Bank National Association?

Stearns Bank National Association has total assets of $3.3B as reported in its most recent FDIC filing.

Stearns Bank National Association: Safety Grade & Financial Health

BankSaint Cloud, Minnesota

www.stearnsbank.com

Total Assets

$3.3B

Total Deposits

$2.6B

Branches

Established

1912

Stearns Bank National Association is a bank headquartered in Saint Cloud, Minnesota, established in 1912. It holds $3.3B in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Stearns Bank National Association earns a TFS Financial Health Grade of B+ (82.7/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B+

82.7 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

15.79%(8%)

Total Capital Ratio

17.56%(10%)

Non-Performing Loan Ratio

1.92%

Profitability

Return on Assets (ROA)

1.85%(1%)

Return on Equity (ROE)

11.48%(10%)

Net Interest Margin

6.55%

Efficiency Ratio

53.39%(60%)

Lending & Liquidity

Total Loans

$2.9B

Loan-to-Deposit Ratio

110.10%

Net Charge-Off Ratio

Other banks in Minnesota

Liberty Bank Minnesota

Bank

Saint Cloud, MN

$284.0M

Ameriprise Bank, FSB

Bank

Minneapolis, MN

$25.3B

B-

WINGS FINANCIAL

Apple Valley, MN

$9.3B

TRUSTONE FINANCIAL

Branch	Address	City	State	Type
Stearns Bank National AssociationHQ	4191 2nd St S	Saint Cloud	MN	11
Stearns Bank National Association	9225 E Shea Blvd	Scottsdale	AZ	11
Stearns Bank National Association	7555 Dr Martin Luther King Jr St N	Saint Petersburg	FL	11
Stearns Bank National Association	22 S Links Ave	Sarasota	FL	11
Stearns Bank National Association	201 Center Rd	Venice	FL	11
Stearns Bank National Association	140 5th St	Albany	MN	11
Stearns Bank National Association	600 Hillside Ave Sw	Pine City	MN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #10988

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.