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Stearns Bank National Association
Saint Cloud, MN·FDIC Cert #10988·Charter: OCC·Est. 19120528.0·HC: STEARNS FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN
Total Assets
$3.3B
Q4 2025
Return on Assets
1.85%
+0.25%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.39%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.85%+0.25
ROE
11.48%+1.44
Efficiency
53.39%+1.39
Equity/Assets
0.00%+0.00
NPL Ratio
1.99%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
110.10%-2.33
Charge-offs
0.41%-0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.3 | 1.3 | 1.6 | -0.4 | 0.7 | 1.6 | 1.8 |
| ROE | 5.3 | 7.6 | 7.6 | 9.2 | -2.4 | 4.3 | 10.0 | 11.5 |
| Efficiency | 57.4 | 54.4 | 55.7 | 53.7 | 57.3 | 55.1 | 52.0 | 53.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 2.0 | 2.1 | 2.3 | 2.6 | 2.3 | 2.2 | 2.0 |
| Charge-offs | 1.5 | 1.1 | 1.0 | 0.9 | 0.4 | 0.5 | 0.5 | 0.4 |
| Loan/Deposit | 109.6 | 109.2 | 105.8 | 104.5 | 111.9 | 106.6 | 112.4 | 110.1 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.6B
Total Loans$2.8B
Total Equity$559.3M
Profitability
ROA1.85%
ROE11.48%
Efficiency Ratio53.39%
Net Income$61.2M
Risk & Asset Quality
NPL Ratio1.99%
Charge-off Rate0.41%
Loan/Deposit110.10%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans