Stearns Bank National Association

BankSaint Cloud, Minnesota
www.stearnsbank.com

Total Assets

$3.3B

Total Deposits

$2.6B

Branches

7

Established

1912

TFS Health Grade

$
C

75.3 / 100

Average financial health

How we grade

Stearns Bank National Association is a bank headquartered in Saint Cloud, Minnesota, established in 1912. With $3.3B in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

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
0.41%

Growth

Asset Growth (YoY)
+6.65%
Deposit Growth (YoY)
+1.89%
Net Income
$61.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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