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 STEARNS FINANCIAL SERVICES, INC.
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STEARNS FINANCIAL SERVICES, INC.
| RSSD ID 1427275 |
| 4191 SECOND STREET SOUTH |
Quarter Ended : |
2025-12-31 |
| SAINT CLOUD, MN, 56301 |
Updated : |
2026-03-07 |
| WWW.STEARNSBANK.COM |
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| Institution Profile |
| Year Opened : |
1989 |
Institution Type : |
Holding Company |
| Reserve District : |
Minneapolis |
Federal Regulator : |
FED |
| Entity Type : |
Bank Holding Company |
Fiscal Year End : |
12/31 |
| Structure : |
Corporation (stock) |
S-Corp : |
Yes |
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| External Auditor : |
CLIFTON LARSON ALLEN |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total assets | 3,374,378 |
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Total interest income | 302,130 |
| Total liabilities | 2,813,331 |
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Total noninterest income | 25,151 |
| Total holding company equity capital | 531,963 |
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Total interest expense | 98,565 |
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Total noninterest expense | 123,669 |
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| Capital Ratios |
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Loans and Leases
(USD, in thousands) |
| Leverage ratio | 16.6702 |
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Loans secured by real estate (Consolidated) | 1,288,063 |
| Tier1 capital ratio | 17.2564 |
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Commercial and industrial loans | 1,546,565 |
| Total capital ratio | 18.5226 |
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Total (Consolidated) | 2,953,469 |
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:· STEARNS FINANCIAL SERVICES, INC.
