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 Stearns Bank National Association
Stearns Bank National Association
| RSSD ID 141556 | CERTIFICATE 10988 | ABA NUMBER 91910455 |
| 4191 2nd St S |
Quarter Ended : |
2025-09-30 |
| Saint Cloud, Minnesota, 56301 |
Updated : |
2025-10-29 |
| www.stearnsbank.com |
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| Institution Profile |
| Year Opened : |
1912 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
031 |
Foreign Offices : |
Yes |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
500 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,351,145 |
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Total Interest Income | 221,296 |
| Total Liabilities | 2,787,320 |
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Total NonInterest Income | 13,247 |
| Total Bank Equity Capital | 536,418 |
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Total Interest Expense | 69,619 |
| Domestic Deposits | 2,519,478 |
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Total NonInterest Expense | 87,205 |
| Total Deposits | 2,519,478 |
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Net Income | 39,651 |
| Net Loans & Leases | 2,832,614 |
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Net Charge Offs | 10,263 |
| Loan Loss Allowance | 97,806 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 535,953 |
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Total loans | 3,035,662 |
| Total assets for the leverage ratio | 3,357,323 |
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Loans secured by real estate: | 1,292,937 |
| Leverage ratio | 14.76 |
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Commercial and industrial loans | 1,657,024 |
| Tier 1 Capital Ratio | 15.49 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 16.76 |
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Loans to individuals - Other | 1,328 |
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:· Stearns Bank National Association
